davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (CT)

On XX/XX/year>, at about XXXX, after branch hours. I put my debit card in the ATM next to the M & T branch which is inside the XXXX XXXX XXXX XXXX in XXXX, CT ( XXXX XXXX XXXX, XXXX, CT XXXX ). At that point I started a deposit transaction on the ATM. The machine prompted me to put my cash into the receiver, which I did ( a total of {$500.00} in XXXX - {$20.00} bills ). At that point, the machine was counting the bills, shown on the screen. During that processing portion, the screen stopped moving, as if it froze, and the ATM shut down. It took about 20 minutes for the machine to reboot, and after about 10 '' of the screen showing, " temporarily out of service '' the typical home screen popped up, however, my card and cash were still in the machine. There was a not a teller at the branch to make this complaint in person at the time it happened. 

I called the phone number for customer service with M & T Bank, and opened up a transaction dispute for the issue I had just experienced. At that point I needed the cash back, or deposited into my checking account, as well as my debit card back from the ATM. When I spoke with a representative, they opened the dispute and a {$500.00} provisional credit was entered into my account. 

I didn't hear back from M & T Bank until XX/XX/year>, via mail, which was received a few days later via USPS, that, " after a review of your account and thorough investigation, we have determined that the transaction ( s ) in question were processed correctly and no error has occurred. Therefore, we are denying your claim. '' The note said the provisional credit of {$500.00} would be reversed on XX/XX/year>. However, the {$500.00} deposit transaction they claim was processed correctly, did not, and has not, showed up in my checking account as of XX/XX/year>, despite being physically put in the machine by myself on XX/XX/year>. 

Today, XX/XX/year>, I went to speak with the branch team about this dispute, and they got on the phone with the claims department, which said, " the investigation did not find an overage in the ATM when the audit was completed. '' At this time I have requested the claim be reopened, and the security footage of me physically putting the cash in the machine be examined.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (FL)

To whom it may concern. 

I have a checking account at M & T Bank located in XXXX XXXX. My deposit account has l been locked since XX/XX/2023. They have not provided a reason. I have inquired as to why the account is locked. They informed me that I need to come into a branch to update my personal information. I currently live in XXXX. They have told me multiple time they will mail a check with an explanation ( assuming this will be an adverse action notice ), yet I have not received it. When I have inquired about the check they continue to say it is coming. 

Can you please help me with this? Unfortunately I can not come to XXXX XXXX to resolve this issue.
Consumer complaint received 2024-03-06
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated (MO)

XXXX has CACI  trying to collect a debt of more than {$500.00}. I have a negative entry on my credit report for more than {$500.00} and XXXX is saying they sent this to collections and charged me in error. I returned their equipment and cancelled the bulk of the television services and my account is still active. I called XXXX and was told they did this in error, they verified they have their equipment and attempted to bill me for serices in error. The problem is, the negative entry they put on my credit report severly lowered my XXXX XXXX causing me to be denied a loan. My daughter XXXX is authorized on the account and because I was at work I asked her to contact them for me. The conversation is attached below.
Consumer complaint received 2021-06-29
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. (PA)

Inquire accounts that not a obligation of mines appears on my credit report 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove all .This is a violation of my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (NC)

An account I had open with Affirm was charged off as a debt, I paid it in a settlement agreement with the collection agency. Affirm has refused to report it correctly to XXXX for over 90 days. And I have disputed it numerous times through XXXX website and it has not been resolved.
Consumer complaint received 2024-03-04
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (FL)

XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All the following dates have been the same continuing issue. I can purchase a few large purchases roughly between {$500.00} to {$6000.00} which banks enough points to purchase something worth a few XXXX dollars. I will go to purchase something and the card will be declined. Later, without my consent I will receive a new card in the mail, between these times my points will expire. I have called in regards to this on all of the dates I have provided and more. Unfortunately I have not documented all of the instances. Their telephone representatives are extremely rude and will talk over you and interrupt you intentionally attempting to confuse the situation. They will then transfer you to an alleged supervisor through a continual loop until you frustrate and hang up, the longest loop was the second to last phone call which took XXXX XXXX hours I have spent over accumulative XXXX hours on the phone trying to resolve this issue. I own a chain of stores and have purchased hundreds of thousands of dollars of Tech through Best Buy. I feel the system is put to place to avoid allowing people like me to benefit. The last attempt I made I was refused any assistance, and I was not explained to why my card was canceled and a new one was mailed. I will now lose the remaining points I have for {$1600.00} purchase for a drone. Ive never been spoken to like this in my entire life. I believe we will be closing the cards and I will be requesting full reimbursement for all lost points over the last four years accumulating over {$1000.00}.
Consumer complaint received 2024-03-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CA)

Dear CFPB, I am writing to file a formal complaint against MIDLAND CREDIT MANAGEMENT XXXX. This company may be improperly collecting on a debt/ REPORTING an authorized account. I am thus seeking further proof of the debt allegedly owed. 

To help you identify me, my name is XXXX XXXX. My date of birth is Date of Birth : XX/XX/1977. My Social Security Number ends in SS # : XXXX Please forward this complaint to the agency mentioned above. You may reply to this complaint or written mail. 

Mailing address : XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX
Consumer complaint received 2024-03-04
Product: Credit 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

19 unauthorized charges in XXXX, Tx and XXXX, Tx were posted to my account on XXXX XX/XX/XXXX. I filed a complaint with USAA while those charges were still pending. USAA made an initial refund of the fraudulent charges while they investigated. A few days later XXXX of the initial refunds were rescinded by USAA claiming the charges were authorized. An example is a place called XXXX XXXX XXXX. Two charges of {$5.00} and {$97.00} were made. USAA says the {$5.00} was fraudulent while the {$97.00} was authorized. Makes no sense. Time stamps on my account prove I was in XXXX, tx, XXXX Tx and the surrounding area and could not have made those purchases.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (OH)

Im requesting for all student loans to be removed from my credit report per 20 USC 1232 ( g ) 5 USC 552 ( a ) 34CFR 99 The Privacy Act of 1974 ( FERPA )
Consumer complaint received 2024-05-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sa-Vit Enterprises, Inc. (NJ)

Dear CFPB, MADAM/ SIR : This debt was Already PAID by my Insurance company. The original creditor and the debt collector agency are trying to collect {$180.00}. As My Statement above this debt was already PAID. The original creditor and the debt collector keep bothering me and keep HARRASING me and keep Thretening me in paying the above amount. I cant Paid the above amount do to the facts that the above amount was already Paid by my XXXX company. Also part of the amount was also PAID by my self at that particular office and I have an EYE witness to support the payments that I already PAID. I Respectfully request the debt collector to STOP calling me and to STOP collection. I have my consumer rights. I Respectfully request the debt collector and the original creditor XXXX XXXX XXXX XXXX XXXX To STOP Emailing me and to STOP CALLING ME NO MORE. It's a Federal Law. DO NOT CALL ME AND STOP AT ONES TO CONTACT ME NO MORE. CEASE AND DECEASE TO CONTACT ME NO MORE. Thank you. Respectfully yours. XXXX.
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy
Consumer complaint received 2024-05-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (MA)

there has been a BREACH OF CONTRACT on behalf of XXXX XXXX. I attempted to communicate with XXXX XXXX XXXX, XXXX XXXX through injunction letters in an attempt to perform on this account. I sent over with the letters my Restricted Endorsement on the coupon or payment voucher tender payment and set off this account balance to zero. I also requested that the balance be " pay to order '' of XXXX XXXX XXXX XXXX. All my Rights are Reserved under Title 12 USC 411 Without Recourse. I am legally and lawfully entitled to the full principal balance, all Titles, all Rights, all INTERESTS, all EQUITY on this account under THE FEDERAL RESERVE ACT Sect. 16 and also 18 USC 8. XXXX XXXX violated 15 USC 1605 and 15 USC 1635. They did not honor my right to readdress the contract. This is a BREACH OF CONTRACT and SECURITIES FRAUD! Because they have repeatedly ignored my attempts to perform on this account, under THE FEDERAL RESERVE ACT Sect. 29 I can and will legally pursue them. They have posted inaccurate information to my credit file and have defamed my character. I have suffered discrimination and extensive financial damages due to their misconduct.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Freedom Mortgage Company (CA)

Freedom Mortgage miscalculated my 2024 mortgage payment because last year they took out a 2nd insurance on my behalf which increased my payment by about XXXX. I called them immediately I received the letter in XXXX and asked them to fix the issue. I was told my mortgage would be recalculated. Their agent took my XXXX payment over the phone after I insisted that they recalculate and give me the correct rate. The next month I was reported to the credit bureau for being delinquent on my Mortgage. I immediately called them to resolve this issue since I never missed a payment, rather I overpaid on my mortgage in XXXX but they have still not resolved this issue. Every month since XXXX, I receive delinquent and collections notices on a mortgage that I am current for. I have called 4 times since XXXX to reconcile my account to reflect the fact that I am current but this has not been addressed so far. It has been 90 days since this issue began.
Consumer complaint received 2020-05-24
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: SYNCHRONY FINANCIAL (FL)

XXXX Called Synchrony Bank XXXX XXXX Acct to request cr line increase. Spoke w Agent overseas in XXXX, told me it would be a soft inquiry. my limit was XXXX. He told me my request to increase to XXXX was denied. I received notification from XXXX XXXX my credit score with XXXX dropped 41 points as my limit was requested to be decreased to {$1300.00}.
Consumer complaint received 2020-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

first of all i had a credit card with HH gregs company went out of business so the hh greg card was changed to home credit card with synchrony bankcard # XXXX after going in to hospital 2 months was late one time then my balance went from XXXX to XXXX i was making payments to the company every two weeks XXXX plus. i contact the company and spoke with an operator explained to her about the late payments she told me that the payments was not coming on time that i was making the payments but just was not coming in on time. so i changed my payment dates threw my bank so it would come every two weeks on time this was back in XX/XX/2020 after checking my credit report it been closed by reporting XXXX  i have some accounts that was over the limit but paying them down bellow 30 % XXXX have closed several of my accounts reporting wrong information this not faire im working on my credit every time i get accounts paid out a ccount closed reporting by XXXX i need my credit THIS NOT RIGHT PLEASE HELP ... ...
Consumer complaint received 2022-11-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC. (MI)

on XXXX XXXX XXXX XXXX a living woman, had a loan done with XXXX on XX/XX/2022 she put a deposit over the phone for a hold on a XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX the credit report states a loan for the XXXX of XXXX on XX/XX/XXXX Santander opened an account for a loan. a XXXX XXXX was made on the vehicle in a credit transaction. no rescind act. no truth and lending act
Consumer complaint received 2020-05-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (TX)

I was looking for a photo search app on XXXX. They sent me to this app, and after a few clicks, they asked me to buy a year worth of services. They said it was a trial and I could cancel. I went to XXXX, and they had no cancel button. The charge was over XXXX dollars. I used my Simple account for the payment, but I had a XXXX balance, which I have been carrying for awhile now. I did not think they they would process they payment, and I had no money in the account to cover it. They usually will turn down payment requests. I was at the grocery store and they turned down a XXXX dollar overage for groceries, so I can't understand why they would process this payment. There was no pre authorization, They told me that the VISA company went down, and let this charge go thru. I submitted information and they told me it would be about 90 days before they had a resolution. They are still saying I am responsible for the bill. This is a bank account with no fees, and you can't overdraft. They will not remove this charge, and they are saying that I have to pay it.
Consumer complaint received 2015-03-23
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

XX/XX/XXXX, I made a substantial payment to the holder of my second mortgage to the tune of approximately {$370.00}. After that payment was applied, the remaining principal balance was {$1.00}, as evidenced by my XX/XX/XXXX statement. I subsequently paid {$1.00} in XXXX, and the payment was received by the company on XX/XX/XXXX. In XX/XX/XXXX, I received a statement indicating that a principal balance remained of {$0.00}. This would be impossible as my interest rate in around 6 %, and {$0.00} would not accrue on {$1.00} principal in one month. I have contacted them XXXX time since : XXXX times the individual agreed that the {$0.00} was in error ; the last time she said the only way to resolve was a payoff. Frustrated, I ordered the payoff. Although {$0.00} is not a lot of money, if this company handles all clients this way, it is making a substantial amount of money.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

Claim numbers XXXX also XXXX I did not authorize theses transactions I contact XXXX XXXX they told me XXXX XXXX made theses transactions I contacted wells fargo they told me the case is close I want theses two case to open back up I did not make none of theses transactions on both of theses claims.
Consumer complaint received 2022-11-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (CA)

On XX/XX/2022 in preparation of changing my phone number In my Chime App I sent myself {$190.00} using my alternate phone number ( XXXX ). I understand my money transfer is non refundable in the case of money being transferred to the wrong recipient. I snapped a screenshot of my receipt which confirmed I transferred money to my phone number ( XXXX ). 

The next day I had not received my money. When I checked the my transfer history which displayed My transfer went to XXXX XXXX The person who owned my number before me. 

The next step I took was I requested {$190.00} from XXXX XXXX XXXX please send it back. My request was received on My phone ( XXXX ). 

I started a dispute and received the instructions for providing documents to proceed changing my phone number in my account. Shortly after I received a confirmation that my number was changed to my current number ( XXXX ). 

The following days I expected to receive a credit to my account because It is clear that all of the transactions were done using the ( XXXX ) phone however I didnt see anything my claim was denied. 
I then had my claim reopened I sent pictures that time but the very next day my claim was denied Chime wont put me in contact with investigators or anyone else with authority. I am XXXX. Im on a fixed income and my storage app likes. My bills are late based on this whole ordeal.
Consumer complaint received 2022-11-20
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I contacted Experian about the following inquiries XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-05-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

I had opened an account with Citibank with Ms XXXX XXXX at the XXXX XXXX NY location. She had promised the then running Citibank promotion of {$1000.00} for depositing {$50000.00} and maintaining that amount for 60 Days. 
As I have fulfilled the requirements already and that time frame has passed but the said promotion was never credited.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Total Card, Inc. (TX)

This account is reporting a {$540.00} balance to XXXX. XXXX and XXXX show a {$0.00} balance. So I dont know why they are refusing to correct XXXX. This account was charged and sold to a collection agency. The original creditor is not able to continue reporting a balance owed if the debt had been sold to collections.