davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-23
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: Experian Information Solutions Inc. (IL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the 3 credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting these accounts and inaccurate information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The items are listed below : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX CO ) XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$580.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation (KY)

I lost my debit card ordered a new one. On the app it forced me to show my License because my account was locked now. I emailed support and sent them a picture of my license, multiple pics of me, my social security card, birth certificate, and a picture of my Veterans ID and Ive been emailing them all of this information from the email I have on file with them. Theyre holding my money and wont give me access to my funds.
Consumer complaint received 2022-04-07
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. (NC)

In accordance with the Fair Credit Reporting act 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, 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 2022-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TN)

To whom this may concern, I, XXXX XXXX, have encountered a great big mess of issues with chime or XXXX XXXX XXXX. As I started to log in to my account it then rejected me and said my account was closed. Although, I did all the necessary steps to find out why, the company could not give me a reason as to why my account had been closed. Also, my XXXX XXXX XXXX check was deposited this same morning only to find out I could not access my benefits. I've called and called and emailed them only to get no response! If you could help me find my money that would be great! I have believed that I have been a faithful chime customer and representative for them for quite awhile now. If you could help me out I would greatly appreciate it. Thanks, XXXX.
Consumer complaint received 2020-08-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I became exposed to a significant scam by several apparently related parties masterminded by an organization calling itself XXXX XXXX XXXX ( XXXX ) XXXX with a XXXX XXXX address and fancy web site. This resulted in : eight withdrawal transfers by Wire Out Service, totaling {$86000.00} and four transfers by Online  Banking using Bank of Americas XXXX process totaling {$23000.00}, all to multiple scam parties, for a total of {$100000.00} cost to my account from these 12 separate transfers, none of which was flagged by Bank of America. Only one of these transfers was under {$3000.00} in value, with five being of value ranging from {$9900.00} to {$24000.00}. 

My complaint with Bank of America is that the Banks systems failed to identify the wire transfer details and the other online transfers as fraudulent and/or as being made to improper organizations, prior to facilitating these transfers. The Bank also failed to identify that such wire and transfer amounts were materially outside of my routine banking operations, and to question these with me before facilitating the transfers, thus denying me the opportunity to stop these fraudulent transfers before they occurred. The Bank also advertises its XXXX process as providing a safe transfer method ; clearly this was not true in my case. 

These Bank failures are directly contrary to the verification commitment the Bank made to its online customers at paragraph 6 of  the Online Banking Service Agreement that controlled my account at the time of these transfers. This is that in order to protect [ me ], XXXX, XXXX and other Network Banks, [ the Bank ] may need additional time [ when effecting a transfer ] to verify [ my ] identity or the identity of the person receiving the money. During this period, and in any other circumstance when we need additional time to verify the transfer details, a hold will be placed on your account for the amount of the transfer ( my emphasis added ). The Bank has now supplemented this procedure with the introduction of additional controls in a revised on-line service agreement that became effective XX/XX/2020. This provides additional security by the introduction of significant value transfer limitations for individual transfers. In my case these values relate directly to the transfers that have caused the fraud on my account, for which only one transfer would have been in accord with these new limits. 

These enhanced controls in the revised Service Agreement provide prima facie evidence that Bank of America was aware that its  management of transfers from its online customer accounts required extreme diligence, that it failed to perform in my case on no less than 12 separate occasions. If the Bank had managed my account per these new standards I would have avoided all but {$1500.00} of the fraud I have experienced.
Consumer complaint received 2022-07-23
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: DISCOVER BANK (GA)

On XX/XX/2022 I XXXX searched for a hotel to make a reservation and and on the XXXX search produced a URL for XXXX near the top. 

I selected the URL thinking XXXX owned the XXXX XXXX XXXX XXXX XXXX XXXX XXXX where I wanted to reserve a room for a week. 

At XXXX XXXX XXXX I booked a room at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a week using my Discover Credit Card. Upon completing the booking I noticed that a supplement charge of {$400.00} was added to the room cost, which surprised me. So I researched and learned that XXXX was not the owner or reservation agent for the XXXX XXXX XXXX, but was some independent internet based booking agent. And another XXXX search for " XXXX Scam '' returned hundreds of complaints for fraud. So I called XXXX and requested to cancel and I received a confirmation at XXXX eastern time the reservation was cancelled. 

Upon further review I found a paragraph at the bottom of the confirmation and cancellation that the reservation could only be cancelled for a full refund by XXXX on XX/XX/2022, which was the night before I made the reservation. So I was scammed. 

I booked the hotel room at the XXXX XXXX XXXX on XXXX XXXX directly and charged the room to my Discover Card. The total cost was {$400.00} less than what XXXX was charging. But now I have paid both charges because of the fraud and am out {$1200.00} to Discover Card. 

I immediately called Discover Card to stop the transaction, and Discover Charge advised me the charge had not posted and to call back when it did. When I received the next statement I explained the situation and Discover Card processed a dispute, but when XXXX sent in the internet confirmation, Discover Card resolved the dispute in the Merchant 's favor. I then called and placed another dispute with documentation. XXXX again sent in documentation and Discover Card has said to me that since Discover Card is a documentation based company, they have resolved this permanently in favor of XXXX 

The XXXX scam is littered over the internet and the scam can only be completed with the complicit assistance of credit card payors, in this case Discover Card. This is a big problem for consumers and Discover Card is not able to deal with the consumer protection aspect of this problem and it appears they are conflicted because it is the Merchants who pay the credit card fees.

Please look into this problem.
Consumer complaint received 2022-09-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (DC)

During the night of XX/XX/XXXX somebody took control of a dormant XXXX account and ordered {$64.00} using a " payment agreement '' connecting that account to PayPal. The existence of this agreement with PayPal was not properly disclosed to me by PayPal. 

I was in XXXX at the time ( returned the next day, boarding pass available upon request and sent to XXXX ). 

PayPal summarily dismissed my case. Saying that it met my prior purchase patterns. Not true, I may have ordered 4 times total from XXXX since 2017, when this payment agreement was supposedly established. I also complained to XXXX and said they will investigate. 

My complaint is against Paypal for two reasons : 1. Not properly disclosing existing, old payments agreements that are a real danger like in this case, and 2. For not properly investigating when they claim they offer " fraud protection ''. I haven't used XXXX in years, and suddenly a charge appears and within minutes the hacker tries to take control of my XXXX account by changing the email ( I fortunately immediately catched that and cancelled my XXXX account ). PayPal 's fraud protection claim is misleading advertising.
Consumer complaint received 2022-05-18
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX incorrectly reported me 2 months 30 day late for XXXX and XXXX XXXX. I paid 3 months in advance in XX/XX/XXXX and was told by XXXX XXXX XXXX XXXX XXXX loan was satisfied and paid in full. Fast forward to XX/XX/XXXX, and I was shocked that my credit score dropped by XXXX XXXX when trying to purchase a new home because of the inaccurate late payments. I called XXXX XXXX XXXX and was told that 2 payments were left and was I given wrong info. I made payment immediately for {$1900.00} on XX/XX/XXXX. I was told I have to deal with the credit bureaus to fix their error. I sent letters to credit bureaus on XX/XX/XXXX and got zero response and XXXX refuses to remove inaccurate late pays from my credit report.
Consumer complaint received 2019-03-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (VA)

XX/XX/19 the Quicken Retention team contacted me regarding the payoff request they received. They proposed they could do better on my new the mortgage for my new home I am set to close on XX/XX/19. I agreed to proceed with the application. In the online application process Quicken asked for my realtors contact info so that they could communicate the status of my mortgage with them. I provided my realtor XXXX XXXX 's name & contact information. On XX/XX/19, XXXX XXXX from Quicken sent an email to my realtor ( XXXX XXXX ) and the listing/sellers agent for the property I am purchasing, XXXX XXXX ( email attached ). This email disclosed that Quicken was processing a mortgage for me on the XXXX XXXX transaction. On XX/XX/19 XXXX XXXX was contacted once again by a Property Appraiser contracted by Quicken to appraise the property. He verbally disclosed he was contacting her to access the XXXX XXXX property for an appraisal for my loan with Quicken loans. At NO time was I asked for nor did I grant permission for Quicken to disclose my relationship with Quicken to XXXX XXXX. I believe this to be a GLB Privacy Violation. On XX/XX/19 I spoke with XXXX XXXX at Quicken 's " Senior Research Executive Offices '' regarding Quicken 's contact with XXXX XXXX. She explained this is part of their regular business practices to contact the realtors on both sides of the transaction. When asked how they obtained the sellers agent info ( as I did not provide it ) she did not respond the question. When pressed about privacy concerns regarding contacting an unaffiliated 3rd party without my consent/permission she stated she is not an attorney and could not comment. At that time I stated she and I had nothing further to discuss and I would submit the complaint to the CFPB for investigation. It is important to note I would not normally be submitting a complaint. However, from my perspective the dealings with the selling agent has been strained and contentious at best and the actions of Quicken have only served to further complicate the transaction & communication. I understand Quicken would have no way of knowing the struggle we have been having with the sellers agent, however that just goes to show why it is important for them to follow GLB Privacy and ONLY contact 3rd parties in which they have express permission from the applicant/borrower.
Consumer complaint received 2022-04-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AL)

My Venmo account was closed because it said I violated a policy because I guess I sent to much money to my mom for rent and so now the money is froze in a account for 180 days and we are about to get evicted
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have written letters in the past and currently to Experian Consumer Credit reprting agency asking them to remove any and all Public record information from my credit file, that includes bankruptcy information, and they refuse to do so. Their results always come back as updated.
Consumer complaint received 2018-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already informed TransUnion over two separate phone calls this account is fraud and was removed in 2017 after being identified as a fraud with their company and a police report. TransUnion has refused to have the account removed without a dispute process although it has already been identified as fraud and therefore it is negatively affecting my credit until it is removed. This is unethical, immoral and illegal activity. The account must be removed as soon as possible account : XXXX ( XXXX XXXX XXXX XXXX ) amount : ( closed ) {$14000.00}
Consumer complaint received 2023-03-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (CT)

I just recently closed out on a XXXX loan with credit acceptance for a XXXX XXXXXXXXXXXX XXXX  I purchased from XXXX XXXX in XXXX, Connecticut. This loan was not advertised at 19 %, nor was I told at the end of the loan I would pay XXXX for a XXXX car. This caused a lot of pain, turmoil, hardships, fallouts with my mother, and excessive XXXX  loan borrowing to avoid repossessing my car. I tried everything from paying more each month to paying my vehicle note in half every two weeks to decrease the principal. Nothing seems to work. I was still faced with harassment calls from credit acceptance, and I was also told this was an annual loan, but this loan seemed to acquire interest daily. By far the worst experience on an auto loan ever.
Consumer complaint received 2019-03-19
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. (FL)

In attempting to purchase a new car I was advised derived from my Equifax report that there was a credit freeze applied. This was NOT through any effort of mine but was applied by a third party unbeknown and never heard of previous by me. I NEVER used their services. An attempt to call to resolve was met with this- 1. Submit a written request by secured fax at ( XXXX ) XXXX or by mail to : XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX ; or 2. Call us at ( XXXX ) XXXX. I find this a great abuse of power and fraud. Their action providing a lie and incorrect information not only cost me the sale but contributed to adverse financial impact upon me and mine. I have had consistent and major problems with credit reporting agencies NOT reporting correctly or repairing the damage in an efficient time or manner. All three allegedly have reporting data accessed and prepared outside of these United States and they fail to respond to my request to cease even though multiple written reports have been made to them and through your hollow shell of a protection resource. WHY? The fact is just a day before y credit score was reported to me 100 points higher. In my opinion this entire system is a mere con and shell game to exploit and defraud people to gain higher interest rates and money! As you say and to paraphrase in my own understanding and words- go away and get a lawyer! You say it not me! As a post script I had a freeze through the major bureaus removed almost two years ago and it is evident by the evidence presented there is in my opinion a major flaw in this entire system
Consumer complaint received 2022-09-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIRST NATIONAL BANK OF OMAHA (MO)

XXXX XXXX XXXX XXXX, represented by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO has sued me for credit card debt that is more than five years old. The debt was incurred prior to XXXX, XXXX, and we have 2 scheduled court dates for XXXX and XX/XX/XXXX. 

I have had no contact with any person or company in regard to this debt since early XXXX.I have never been contacted by XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (SC)

For two weekends in a row ( XX/XX/22 and XX/XX/22 ), Truist Bank has had problems processing internal transfers between two of its accounts. I have several accounts with this bank. One is a money market account which always has a relatively high balance ( currently, about {$14000.00} ). Another is a checking account. I transfer money from the money market account to the checking account periodically. This is done to control spending and to prevent loss in case of fraud or the card being lost. 

There is no debit card for the money market account. It is basically a savings account. 

Last weekend, on Saturday, I was unable to transfer money between these two accounts. I had about {$12000.00} in the money market account last weekend and around {$20.00} in the checking account. Truists customer service closes at XXXX XXXX on Saturday. This left me stranded all weekend with only {$20.00} to purchase groceries and other necessities. 

Truist informed me this was a technical issue. However, since the banks normal customer service line closes at XXXX XXXX and it was after XXXX when I discovered this error, no one was available to help. I called the fraud line and reported the incident. The representative I spoke with refused to do a transfer for me, even though this error was entirely the fault of Truist. 

The very same thing has happened this weekend. It was after XXXX XXXX when I discovered that transfers again are not working. The phone representative in the fraud department refused to transfer the money for me. When I asked to speak to someone who could help me, I was returned to the voice prompt that you always get when you call a bank. Essentially, they hung up on me. 

Because Monday is a banking holiday, I may not be able to make transfers until Tuesday. I have about {$11.00} in my checking account. There is over {$14000.00} in the money market account. But Truist is not allowing me access to it. 

Two weekends of technical problems in a row is bad enough. But Truist is absolutely refusing to do anything to fix this. Their customer service hours are the same and their phone representatives will not do a transfer for me or other customers to, at least, make up for the problem. What this amounts to is Truist holding my own money from me without cause.
Consumer complaint received 2022-12-19
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. (AZ)

I applied for a loan on lending tree to see what my options were without affecting my credit. I was suggested a company called XXXXXXXX XXXXl while on the phone with them I was just inquiring about a loan and did not want my credit pulled. I looked up companies that did soft pulls without applying for a loan and they were one of the companies that came up. After speaking to the representative they told me I could see how much I could get approved for without a hard credit pull, because I was very specific I did not want a hard credit pull. I hung up from the representative and after discussing with my wife I did not want the hard inquiry on my credit report. About 30 minutes later the representative had called me and told me my credit had already been pulled.