davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

On XX/XX/2019 We electronically overpaid Citicard {$14000.00}. This card had no balance due and had not had a balance due for several years. We became aware of our error on XX/XX/2019. I contacted Citicard XX/XX/2019 and requested a refund of this money through customer service. I was in contact with the customer service on 4 occasions over the period of the review process which we were told would be refunded electronically back to our account within 3-5 business days. On the 5th day I called for a status report. I was told because of the amount it would take longer and they could not give me a range of dates or any answers to my questions. The representative reported it might take and additional 10 business days but wasn't sure. 

I spoke to a supervisor who told me the same thing. 

Of the 4 different representative I was consistently told 3-5 days, now that the deadline is due I receive a different story. 


As a side - this card has had a zero balance for several years and is kept only as an emergency card.
Consumer complaint received 2019-09-18
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (IL)

HSN credit card transitioned from XXXX to Synchrony bank per the Synchrony bank rep who called me for past due. I told him I never received notice or an email regarding the transition and that I had to set up a new account through Synchrony. 

He said he understood this but I was past due and that they reported every 30 days to the credit bureau. 

I think there should be some grace period for transition and I am not going to pay the late fees. 

I bet they are making millions off all the HSN cc card holders who did not know this was happening.
Consumer complaint received 2021-09-09
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. (CT)

i looked at my consumer credit profile recently and realised Equifaxhas reported an invalid account on my credit report from XXXX XXXX XXXX XXXX account Number XXXX i have never done business with the furnishers of this information and i have no knowledge of this transaction. this account has been disputed and deleted in the past and has recently been deleted by XXXX from my consumer credit profile. the furnisher of this data is adamant on violating my rights in conjunction with equifax whom as a company is aiding and abetting to such a violation of my guaranteed rights under Federal Law passed by the United States House of Representatives. This account is associated with innacurate peronal information which has been disputed, invalidated and deleted by both XXXX  and XXXX. Reporting this debt is a gross violation of my rights under the FCRA guidelines. Delete all records of this account from my credit report. i have also attached evidence of the letter i received from XXXX XXXX XXXX showing a different account number for the same {$55.00} dollar debt. i demand this account be deleted immediately since it is costing me a lot of money. i have attached screenshot evidence of the the account that i demand to be deleted and i have highlighted the information as well. THIS ACCOUNT HAS BEEN PREVIOUSLY DISPUTED INVALIDATED AND DELETED. take note of attached letter from debt collector/furnisher of information with different account number for the same debt.
Consumer complaint received 2022-10-27
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 (ND)

On XX/XX/XXXX I had XXXX missed phone calls from Wells Fargo, as I was with my own business clients. I also received a text concerning possible fraudulent charges from my business checking account. 

I did answer the next chance I could, the agent then text me a 6 digit code to confirm my identity as this is what happens with Wells Fargo. The agent the proceeded to ask me if I recognized charges on my account, and I didn't. 
The agent then proceeded to start fraud claims on these fraudulent charges, and gave me 7 reference numbers related to these charges. After talking about a couple of these charges, the agent again sent me verification codes, 2 more times. 
I've been through these calls with Wells Fargo before, it was a script I've heard before, it seemed very legit. 

The agent continued to tell me that there had been a wire transfer started for {$500.00}, but he was able to stop it, but there was also a transfer for {$24000.00} that had been completed, but Wells Fargo would reimburse me the next business day. 

I was on the phone with this agent for about 30 minutes, but within roughly 14 minutes my username and password had been changed, someone had signed me up for Wire transfers, added a recipient, and had transferred {$24000.00} out of my account, all while on the phone with who appeared to be a Wells Fargo agent. I was scammed.. 

This person seemed to be a legit Wells Fargo employee, he knew the complete script like he still worked for Wells Fargo, or had been a past employee, as no one should know this script, unless they've worked with Wells Fargo 's fraud department. Either on the Wells Fargo side, or on the consumer side. 

Another suspicious thing, I just had a large deposit post to my account the day prior for {$51000.00}. It seemed like someone knew I was a good target.. 

I have been through 2 departments with Wells Fargo, and the only response to all of this is " we are so sorry, we couldn't get your funds back, and your claim is denied. '' I've had debit card numbers skimmed before, and my funds have been covered by Wells Fargo. I don't know why this instance is any different, and no one I've spoken to has had any other info for me. 

As far as me questioning that it was a current or past Wells Fargo employee, no answers were given there either.
Consumer complaint received 2021-03-16
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: EQUIFAX, INC. (OH)

I pulled my credit report recently and seen bills showing open or closed with balances when I have actually paid the accounts and would like them to be removed i will provide receipts and I discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. I have accounts that are reporting inaccurate and incomplete credit information on my Credit Reports I will highlight them and add them to the notes .these are the companies below XXXX-PROOF OF PAYMENT XXXX BALANCE REQUESTING DELETION FROM MY REPORT XXXX XXXX XXXXXXXX - PAID TO A THIRD PARTY CREDITOR STILL LISTED I WILL SHOW PAID 3RD PARTY THE BALANCE IT NEEDS REMOVED XXXX XXXXLISTED PAID ON BANK STATEMENT TO XXXX XXXX XXXX XXXX  PAID OFF IN FULL REQUESTING DELETION Multiple address and name spellings And unknown inquires on my report that I have never done business with them. 
I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX ohio XXXX XXXX XXXX XXXX XXXX ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aqua Finance, Inc. (MO)

Shortly before the Covid lockdown I traded a XXXX XXXX XXXX XXXX XXXX XXXX for a XXXX XXXX. The salesmen stated that the amount billed would XXXX  out before the grace period on the account was up around XXXX I believe. I called aqua finance to confirm there was no interest accruing in the grace period so I would not be left with a balance. 4 months later I received an offer to open a credit union account with XXXX and a notice that I had an amount due. 
Upon research it appears that XXXX is a front for Aqua finance. 
I wrote to dispute and Aqua finance/ XXXX became Bay Finance, none of whom have a true debt for me. When I disputed with XXXX after erroneous posts the dispute was closed as a mistake on a closed account but they reported the same misinformation on my credit reports 3 times that same month after the bad debt was removed. 
Because they call me 5-10 times a day I have sent letters demanding they stop the abusive behavior to no avail and an email to them came back undeliverable to the address on their website ( Bay Finance ) .. Im at my wits end, the last item I received was a notice that they would continue to destroy my credit, and garnish my wages, take my assets etc over the account they admitted was not delinquent or open. 
As they have done severe damage to my good credit and harmed my reputation I believe they intend to continue this blackmail to whatever lengths they can get away with. 
There is no contract in my name, there is no debt to sell amongst these related companies and their deceptive reporting and aggressive calls make it clear they know they are in the wrong and are attempting to evade financial reporting laws.
Consumer complaint received 2022-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (GA)

FedLoan Servicing is not taking ownership of a payment I made before my loans were transferred to XXXX. 

On XX/XX/2021 I made a {$25000.00} payment towards my student loan balance. This was made before my loans were transferred to XXXX, therefore FedLoan should be responsible for returning {$20000.00}. 

Details regarding the payment is listed below : XXXX XX/XX/2021, XXXX XXXX to XXXX Dear XXXX : We are confirming the student loan payment you scheduled through Account Access. 
Payment Amount : {$25000.00} Payment Date : XX/XX/2021 Checking/Savings Account : XXXX Confirmation Number : XXXX
Consumer complaint received 2019-04-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (TN)

My wife and I leased a XXXX XXXX through Chase Auto Finance in XXXX, XXXX. It was a 42 month lease and we had perfect payment history - often paying 3-6 months in advance. When the lease was up inXX/XX/XXXX I called Chase AND the local dealer multiple times to make sure we didnt owe anything else at the end of our lease. Everybody told us we were paid up and there should be no further payments. So, we returned the car on/around XX/XX/XXXX. Then, approximately 25 days later, I received a call from a number I did not recognize stating that I owed {$300.00} for an end of term payment and that I could only pay by giving them my checking account and routing number over the phone. No payment portal, no credit card or debit card payments, and no email remittance. I told the gentlemen that it felt very suspicious and I was not at all comfortable with that. I then asked if he could send me an email so I could confirm that he worked for Chase. He said he didnt have email. I asked a few more probing questions and he said i should be receiving a letter notifying me of my payment due. I told him I had not received any such letter but when I did, Id pay immediately. 

Fast forward a few days and I got a credit reporting alert saying that I was 30 days late on a Chase Auto payment. I immediately called chase and asked them what in the world was going on. They were very unhelpful but offered to take a payment to prevent further late-payment reporting. 

I then tried to dispute the late payment reporting directly through Chase and not a single person could even help me file a dispute. 

Again, I had 42 months of early payment history and I a substantial balance in a Chase checking account for the latter part of my lease. We never had a single issue and it is absurd that I cant even get a dispute filed through Chase after this debacle.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

equifax, XXXX and XXXX has some inquiries and accounts on my credit report that are not mine. 
last four of social that is not mine : XXXX- not mine INQUIRIES that are not mine : XXXX/EQUIFAX MORTGAGE SERVICES- not mine XXXX XXXX XXXX- not mine XXXX not mine XXXX XXXX XXXX-not mine XXXX XXXX-not mine XXXX XXXX XXXX- not mine XXXX XXXX XXXX XXXX- not mine XXXX-not mine XXXX XXXX XXXX- not mine XXXX & XXXX XXXX XXXX XXXX- not mine XXXX XXXX XXXX XXXX not mine XXXX- not mine accounts that are not mine : Creditor : XXXX XXXX XXXX Account : XXXX I have no knowledge of this account XXXX XXXX XXXX Account : XXXX I have no knowledge of this account Creditor : XXXX XXXX XXXX Account : XXXX I have no knowledge of this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-15
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 act XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX, US DEPT ED Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, 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 2022-03-22
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. (FL)

The account in questions had some fraudulent transcations sometime in XXXX or XXXX were succesfully disputed with the credit reporting company and subsequently remove from my report twice. Even if the transaction were legitimate they would have reach the status of limitation a long time ago. 

Unfortunately XXXX XXXX is choosing to use predatory practices and keep adding the fraudulent account to my report, even fraudulenty reporting that I made payment for {$240.00} in XXXX.
Consumer complaint received 2022-02-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Exeter Finance, LLC. (FL)

On XXXX XXXX, I received a letter of intent to sell from a third-party debt collector known as Exeter Finance XXXX . A debt collector pursuant to 15 USC 1692a ( XXXX ) means " any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another ''. They stated that they would sale my vehicle because I broke a promise in our agreement. Pursuant to 15 USC 1692e, Exeter Finance XXXX  has violated my consumer rights by stating that nonpayment of this debt will result in the XXXX and sale of my property in which they have no legal right to do. Pursuant to 15 USC 1692d ( XXXX ), Exeter Finance XXXX advertised the sale of my vehicle to coerce payment from me. Pursuant to 15 USC 1692f, Exeter FinancXXXX XXXX took nonjudicial action to effect dispossession of my vehicle which they do not have any present right to possession of my vehicle which was claimed as collateral through an enforceable security interest. The vehicle was never in their possession, therefore, they have no right to gain possession of the vehicle. Pursuant to 15 USC 1692d, a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of any debt. Exeter Finance XXXX has harassed and abused me by causing harm to my reputation, which can also be known as my consumer report. With Exeter Finance XXXX reporting false information on my consumer report, I have struggled to take care of my personal/familial needs. I never gave Exeter Finance XXXX prior consent to contact me through any means pursuant to 15 USC 1692c. Exeter FinancXXXX XXXX has caused me anxiety, mental anguish and has caused me to pick up another job due to the fraud that they are conducting.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Eqiifax has All of my information wrong, such as amounts owed, history of payments, credit cards I have not shown and accounts I have closed still show up in payment history as recent. 
Ive made several attempts to correct in the last few months. To which have not been corrected. 
This misinformation is making my refinance impossible, with my mortgage lender. 
I dont believe this is a good system, considering if the credit bureaus are incorrect, it can severely impact all of your financial situations.
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (LA)

I have had a credit card account with US Bank since 2014. I have never missed a payment. When the Pandemic struck last year, I paid off the balance of {$2600.00}. I have been very careful not to incur any extra expenses this last year. My interest rate was 16.99 %. Today I got a notice saying my interest was being raised to 21.49 % and they said it was because : 1. Ratio of Balances to Credit Limits on Revolving Accounts is too high. 
2. Proportion of Loan Balances to Loan Amounts is Too High. 
3. Amount Owed on Revolving Accounts is Too High.

4. Too Many Consumer Finance Company Accounts.

All of the above is false. 
I currently have {$100000.00} in available Credit I currently owe a total of XXXX in credit card across 4 Credit Cards. 22 % usage. 
I have a XXXX Balance on THIS US BANK CARD. 
I have one loan that is a Mortgage. 

I can not imagine what this action would have done to me if they did this to me and I had a balance due in the middle of a pandemic. 
My credit score with XXXX is XXXX With XXXX  it is XXXX With XXXX  it is XXXX. 
I believe this company is mad because I paid them off last year when the pandemic hit and they are not getting interest from me carrying a balance on their Credit Card. This is punitive action for me being a good customer and making all of my payments on time. This is punitive action in the middle of a pandemic because I am being extra thrifty and being careful not to spend. They have never raised my interest rate for the 7 years I have had this credit card. Likewise, they never reduced my interest rate during their " 6 month reviews '' when I was carrying a balance.
Consumer complaint received 2021-03-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

This will be the second time I will be filing a complaint with CFPB on the same issue with the same company Citibank, I hope they take it seriously this time. 

My checking account was put on pending closure on XX/XX/XXXX without my consent, I called to better understand what was going on when i wasn't able to use my account. I had a balance for {$4400.00} at that time, and I was advised to wait 30-60 days for the account closure review to be done, and that i will be receiving a letter from the bank, with a check for the funds remaining on the account. I chatted with a rep on the mobile banking app on the XXXX of XX/XX/XXXX, for details on the status of the refund and letter, he said, and I quote " I can see here a check was issued on the XX/XX/XXXX '' and that I have to wait 10-15 days .... So after several days I called again to get the status, and the rep i spoke to suddenly told me I won't be receiving a check because i have no funds that belong to me! Contradicting what the previous rep had told me. Now, I asked her to explain in details, and she refused. I asked about the letter i was supposed to receive, and she kept dodging the question. I told her I remember correctly the last credit that was made in my account from a buyer on XXXX for a wrist watch purchase, in the amount of {$8100.00}, which a {$15.00} incoming wire fee was debited from my account by Citibank, after they had verified the transfer. I even waited until they had verified, posted the balance, and charged the wire fee, before i shipped the item. I just want Citibank to be completely honest with me on this matter, and tell me whether or not I was a victim of fraud. They need to do everything possible to get my insured money back to me, or I will be forced to go to claims courts if i don't get a proper response this time. I will very much like to walk into a branch and settle the mater, but unfortunately Citibank doesn't have one single branch in XXXX Texas! I don't even think they have any in Texas! Ridiculous
Consumer complaint received 2022-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NV)

I bank with XXXX. On XX/XX/2022, I made a XXXX transfer of {$5000.00} to a friend but I sent it to the wrong and unknown person by entering the wrong phone number. My friend did not receive the money. On XX/XX/2022 and XX/XX/2022, I asked XXXX to reverse the transaction due to the error that was made but they refused and simply told me to have the person I sent the money to send back the money to me.
Consumer complaint received 2021-09-09
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. (CT)

i checked my credit report today and i found out that Equifax is attempting to report an invalid collections account on my credit report from XXXX XXXX XXXX XXXX account Number XXXX this account has been disputed and deleted in the past and has recently been deleted by XXXX from my consumer credit profile. This account is associated with innacurate peronal information which has been disputed, invalidated and deleted by both XXXX  and XXXX. Reporting this debt is a gross violation of my rights under the FCRA guidelines. Delete all records of this account from my credit report. 
i have also attached evidence of the letter i received from XXXX XXXX XXXX showing a different account number for the same {$55.00} dollar debt. i demand this account be deleted immediately since it is costing me a lot of money. 
i have attached screenshot evidence of the the account that i demand to be deleted and i have highlighted the information as well. THIS ACCOUNT HAS BEEN PREVIOUSLY DISPUTED INVALIDATED AND DELETED. take note of attached letter from debt collector/furnisher of information with different account number for the same debt.