davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-14
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2800.00}, {$14000.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
Consumer complaint received 2020-09-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

I closed on my refinance with XXXX XXXX XXXX on XX/XX/2020 and soon after my mortgage was transferred to Loancare ( # XXXX ) for servicing. I received updated tax statement from my town stating that my taxes increased so I forwarded this to Loancare since there was an outstanding balance due to the increase taxes. I reached out to loancare several times within the last six weeks by email and phone and I was told over and over that my tax adjustment will be paid but it still haven't been paid. My municipality is currently adding interest to my taxes and I am concern that if this matter is not resolved soon, my township will take action against me.
Consumer complaint received 2022-08-19
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. (NJ)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX, XXXX I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possibleXXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$370000.00}
Consumer complaint received 2021-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

Pursuant to the Fair Debt Collection Prac tices Act, 15 USC 1692g Sec. 809 ( b ), XXXX claim was disputed and validation was requested. I did NOT ask for a verification or for a letter of explanation, but a request for VALIDATION made pursuant to the above named Title and Section. I request that MACYS provide me with competent evidence that I have any legal obligation to pay them. To provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor
Consumer complaint received 2020-09-14
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$920.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account.
Consumer complaint received 2022-05-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Scammer ) on behalf of XXXX ( a Fake Company ) all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire and through an intermediary named XXXX in the the total amount of XXXX USD utilizing People 's United Bank services.
Consumer complaint received 2020-09-14
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$920.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account.
Consumer complaint received 2020-09-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am having a tough time with Bank of America prepaid Edd card. I paid for something with the card that I saw on XXXX that cost {$170.00} which was a projector with the screen. I noticed almost immediately something was fishy with the company at because when I made the purchase and then was emailed the receipt it had a different company name on there. There was no phone number for the business and I immediately emailed my concerns. After sending several emails and waiting a couple weeks with no response other than your product is on the way I then sent several emails for a refund to no response. I emailed their XXXX page demanding a refund and still no response. So then I called Bank of America and told them what was going on and filed a claim. I was given a provisional credit in XXXX I believe. To this day I still never heard from that company or received what I ordered but today I noticed that Bank of America took the {$170.00} back out of my account. When I called they told me the claims department is closed and there is no supervisor to speak to because they are working from Home. Thats truly pathetic. Not to mention she couldnt give me any information as to why this money was taken back from me. I NEVER RECEIVED ANYTHING FROM THaT COMPANY. I tried to go on there supposed website today and its all fraudulent. Site is not working and says domain name is not purchased. So why in the XXXX am I out of {$170.00} on a fraudulent company that scammed me and now Bank of America is supporting that scam by taking my money. I thought they were FDIC insures for things like this. I dont have money like that to throw away. Im collecting unemployment for Christ sakes.
Consumer complaint received 2020-09-14
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Collection Service of Nevada (NV)

I have documents from the defendant. Document number one. Document number one has a listing of the payments that are listed on the balance sheet. The total debt is XXXX . Document number 2 has replacement charges dad were done to the apartment after I had moved out I am not responsible for all the repairs that happened to the apartment after I left I was not responsible for all these repairs that they are charging with me with. To continue with cleaning charges on document number 2 or falls. Document number 3 discharge is indicate that I did not issue a 30 day move order and their charging me because they said I just moved out. That's incorrect document number 4 states that XXXX XXXX XXXX has a notice of intent to vacate. Document number 5 is the early termination of lease a contract addendum. The following other documents that I have added to this case is posted and will be sent to collection services on devadas  who is representing XXXX XXXX. I'm going to process a small claims issue on these documents that collection services of Nevada has issued to me. After I win the small claims court. I will counter sue XXXX XXXX for {$50000.00} in damages. Thank you and goodbye
Consumer complaint received 2020-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I spoke with XXXX in Virgina ID # XXXX who stated she was a supervisor for Quicksilver Capital One Card, that I was not allowed to escalate the call any further and that she could not give me the name or the employee # of the supervisor who told her she was not allowed to due a 1 time credit adjustment for the amount of around {$48.00}. I received a 0 % interest on this card over 12-16 months ago. She admitted we were on a recorded line, that I had made every payment on time and that I made over my minimum payments each time. She also admitted that other than in the terms and conditions originally sent out with the credit card over a year ago there was no heads up on the statement that 0 % interest was ending in XXXX. I asked her if she would do a one time reversal of the accrued interest and I would pay the card off next month, she refused. I told her every other credit card I've ever had gave you notice on your statement of when the 0 % interest was expiring she admitted again that they only do it in the beginning. I thought it was terrible customer svc that in the last 12-16 months I made over the minimum payment amount there was no warning of exp and they refused to give me a one time credit, not to mention I also am owed {$9.00} in credit rewards. I thought by law they had to notify you when 0 % was expiring on your statements just like every other credit card. It just seemed like under the circumstances the customer service was terrible and unnecessary.
Consumer complaint received 2020-09-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: TD BANK US HOLDING COMPANY (MA)

I was charged an unexpected XXXX $ fee due to TD Bank 's misleading. 

On XX/XX/XXXX, Monday, I called TD bank to see how can I pay my college tuition to a XXXX university ( University XXXX XXXX ) with my American bank account. The amount is XXXX $ and an additional 1.75 % convenience fee which was XXXX $ ( in total XXXX $ ). 
Meanwhile, I also had the bank wire transfer information on my hand and asked if I could do a bank wire transfer online considering the pandemic. 

I was suggested that No you have to do bank wire transfer in person and bank wire transfer would cause a fee ( XXXX $ ) and you would want to do it with your card to avoid this fee. Thus, I used the debit card and paid this fee online. During my previous calls with TD bank ( on XX/XX/XXXX and XXXX ), I also inquired if there would be other fees despite the tuition and the convenience fee. All customer service staff I talked to were not aware of the international transaction fee. 

However, after a few days, I found I was charged XXXX $ and XXXX $ international transaction fee by TD BANK. I was misled to pay XXXX $ to avoid the XXXX $ wire transfer fee. I felt shocked and called TD bank immediately and illustrated my situation to the customer service staff. He contacted his supervisor. they just kept saying sorry for my loss and they would educate their employee and asked when did I call. However, they told me they didnt have the authorization to refund these two international transaction fees. 

On XX/XX/XXXX, I went to the local branch of TD BANK ( XXXX XXXX XXXX, XXXX, MAXXXX ) and made a complaint about this issue. The local assistant managers XXXX and XXXX were responsive and told me they would have to ask their supervisor and gave me feedback on the next day around XXXX. They were not familiar with this fee, neither. 

On XX/XX/XXXX, I didnt receive any call thus I called the bank. XXXX told me they would need to do an investigation and asked when did I call. I replied. However, I didnt receive any call after that. I called on XX/XX/XXXX and XXXX and be told it was still under an investigation. 

On XX/XX/XXXX, I found I was charged a XXXX $ maintenance fee because I failed to keep a minimum daily balance ( and it was because I was charged the international fees ). 

Now, it has been another whole week but I still did not hear anything from TD Bank. 

Thus, I would want to ask help from you to see if you can contact somebody in the bank who would have the authorization to compensate for my loss.
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (TX)

I opened an account using my ITIN number. I was approved. For some reason, they messed up and register another number that is not mine. I try to register online to access my account and make payments but I can't because my ITIN number is not the one they used so they do not match. I have been calling them for almost 2 months but they still can not fix my ITIN. I've sent my documentation several times, first via mail, then fax ( like 8 times ). After talking to them many times to fix this issue, finally they told me I need to send my ITIN card, which I don't have because this doesn't exist. IRS doesn't issue ITIN cards anymore since 2004, they just issue letters with the ITIN number on them. That's what I sent but they don't hear anything I say and they don't care about it, they are just asking for a card that doesn't even exist.
Consumer complaint received 2022-05-24
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX and XXXX XXXX XXXX acct XXXX XXXX, have 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.
Consumer complaint received 2020-09-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation (TN)

The company encourage me and others to enter into a deferment plan when the Covid19 pandemic initially hit. Every time we logged in to the website, there was all sorts of information about how they could help relief during this time if you were laid off, place of employment shutdown, etc. The representative told me that my 3 payments would be due at the end of the loan and that payments and interest would be deferred. He explained that He explained that there would still be interest, but it would be deferred like the payment. The website also made that seem very easy. I was happy because my business had to shutdown and it took a burden off for a  while. My XXXX, XXXX and XXXX payments were deferred. I did not have to start back making payments until XXXX. However, they really did not help me. When I started making payments in XXXX ; every dollar of my XXXX and XXXX payment went towards interest ; all {$800.00}. The last payment I made before Covid19 hit was in XXXX and only {$170.00} of the payment was interest. I feel that this company used the pandemic to capitalize on consumers by misleading them in order to get more money in interest. They really did not help me during this time because now I actually owe more money than I would if I had just scuffled and tried to continue to make the payment. They used misleading tactics and actually encouraged consumes to utilize their forbearance plan in order to charge more interest.
Consumer complaint received 2023-05-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC (PA)

American Credit Acceptance has been charging me {$2.00} a day interest rate. Because I faced hardship three years ago, I asked for a deferment. The arrears were put on the back of the loan. I signed the agreement electronically and was told that once I was caught up, I would be back on track. I was late twice in XXXX. Thirty days over due. American Credit Acceptance worked with, got me current and I have not been late since. The institution said that loan was to paid off in XXXX of XXXX, but because the loan was not paid off in XXXX of XXXX, the life of the loan was extended to the end of XXXX of XXXX. Because I check my credit everyday, I saw an impact on my credit report. It was American Credit Acceptance. I called and complained to American Credit Acceptance. They told me that because I did not do a modified loan request, it went against my credit. I exclaimed to the institution that had requested that they send me a modification when it was due in XXXX of this year. I discovered that it is on the way. American Credit Acceptance purposely dragged it out so they could extend the life of the loan two more months. I pay {$430.00} for nine more months which comes to, {$3900.00}. This institution has illegally milked me for thousands of dollars. What's more, they extended the loan again to XXXX of XXXX.
Consumer complaint received 2020-01-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA (MA)

I returned a leased XXXX vehicle in XX/XX/XXXX to the dealer and they closed the account with a XXXX  balance. They then reopened the account a month later and claimed the balance was $ 3800+ for  damage that they claimed I left from the lease that the dealer did not see. The damage was a few small scratches that we did not make. They threatened to damage my credit report which they have done if I did not pay. I requested that they take me to court over the matter and they refuse. 


account Number XXXX
Consumer complaint received 2020-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

On XX/XX/20 around XXXX to XXXX XXXX EST, I visited a branch ATM and deposited {$700.00} in cash. I realized too late that {$700.00} in cash would have been 35 bills and this ATM only accepted 30 bills per deposit. The ATM stated there was an error and my cash could not be returned and to contact Citizens Bank. It printed a receipt from that date stating there was an error and to contact the bank.

I returned home and immediately called Citizens Bank. I was able to get through to someone at around XXXX XX/XX/XXXX to explain the problem. From here, the woman I spoke to put in a claim for me and gave me a claim number. I was told it'd take approximately 10 business days to return the money to me and I didn't need to contact the branch where I used the ATM. 

On XX/XX/20, a {$700.00} deposit appeared in my account and I received a letter stating I had been given a TEMPORARY deposit of {$700.00} while they investigate my claim. I assumed that this would not conclude against me as I was sure I could be seen on camera at the bank and that the ATM would show that it was {$700.00} over, so I did not bother saving this {$700.00} temporary deposit. 

On XX/XX/20 I was issued a letter stating that they had found there had been no errors at the ATM and they would be reversing the temporary deposit of {$700.00} on XX/XX/20. 

On XX/XX/20, the {$700.00} was indeed reversed, and overdrew my bank account by over {$630.00}, to which my account remains as of this day, XX/XX/20, overdrawn. 

I am deeply disturbed by the actions of this bank as I know, for certain, that I was at the ATM that day, deposited {$700.00}, have receipt proof that I was there and received an error from the ATM, and that they can still conclude that nothing happened and have taken {$700.00} from me. I took all of the steps I had to take, provided all of the information I could as accurately as possible, and still Citizens Bank concluded me to be a liar.