davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My check of XXXX was sent back to Bank of America after I was recently credited from my check being stolen. I never seen any money my first check was stolen and My bank informed me I will have a hold on this one but she overnighted it back to sender telling me boa will issue a new one I never received any money from either side. They are denying my check claim stating I have gotten paid and record show this check was sent back and they sent me another one because the first one was stolen. I followed the steps of a boa representative to send check back and it will be returned but never happened I want to be helped
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SUNRISE CREDIT SERVICES, INC (NY)

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by Spears v Brennan, 745 N.E.2d 862 ; XXXX XXXX XXXX XXXX XXXXXXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor. 
Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company XXXX XXXX, SUNRISE CREDIT SERVICE, XXXX  and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )
Consumer complaint received 2024-11-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: U.S. BANCORP (MI)

On XX/XX/year> I opened a U.S. Bank business checking account ending in XXXX using promo code XXXX to earn a {$800.00} business checking bonus. I selected e-statements as my preference for document delivery. On XX/XX/year> I was charged a service charge for paper documents. This shouldnt have happened because I did enroll in e-statements and was enrolled at the time of the fee. The {$6.00} fee put me below the minimum daily balance of {$30000.00} to qualify for the {$800.00} business checking bonus. Im requesting to be paid the {$800.00} business checking bonus because without this erroneous fee, I completed the deposit ( s ) of at least {$30000.00} in new money within 30 days of account opening and thereafter maintained a daily balance of at least {$30000.00} until the XXXX day after account opening. Thank you and be well.
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (AL)

JP Morgan Chase Bank has reported that my Auto Loan #  XXXX  was 30 days late in the month of  XXXX   2017  and  XXXX   2017 . There has been several adjustments on my account due to them misapplying my payments ; therefore, the statements I have been receiving are not accurate. I have been paying on this loan for the last 2 years and I have never been late and they are stating that they are not able to make any adjustments because they are reporting accurately even though the representative that I spoke with clearly informed me that my payment was indeed not 30 days late.   XXXX  I have reached out to them on several occasions to have this resolved and I submitted a dispute with the  Credit Reporting Agency as JP Morgan Chase told me to do ; however, they are still not updating the reports which is causing an adverse affect on my credit score at the  moment.
Consumer complaint received 2017-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC. (FL)

OnXX/XX/XXXX, I opened a Money Market account at SunTrust Bank - Tradition office for the express purpose of receiving my life savings to the account. The account was created just for this purpose as directed by XXXX XXXX, the Branch Manager. OnXX/XX/XXXX, I had my life savings of {$270000.00} wired to my SunTrust Money Market Account. On XX/XX/XXXX, SunTrust put a hold on the domestic wire and then closed all my accounts onXX/XX/XXXXwithout explanation. Closing Checks were printed for my accounts with the exception of the {$270000.00} which SunTrust has kept from me. I have tried contacting SunTrust on seven different occasions and get different stories. Today, XX/XX/XXXX I was told that my funds are being held and no further information is available for release to myself. My funds have been stolen by SunTrust - and I want my money returned to me by XXXX this Friday, XX/XX/XXXX ; before I go to the media live at XXXX to tell my story and warn others away from SunTrust. SunTrust does not return calls/communications, not even XXXX XXXX herself. I just want my life savings that have been unjustly and illegally stolen by SunTrust! The domestic wire was from the law firm handling my needs and taxes have already been paid on it all as the funds were accrued over the years of owning XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/year>, I received an email alert from XXXX regarding a hard inquiry on my credit with the company KOHLS\ CAPONE . I confirmed this by signing into my experian account to see this hard inquiry I have never done. The hard inquiry and lender checked my credit on XX/XX/year>. I have no idea who did this or suspect anyone close to me. My email was found on the dark web I found out earlier this year so I think someone is digging into my information. I called the credit reporters to report this immediately and disputed. I also froze my credit accounts right away. 

I also called this lender KOHLS\ CAPONE, phone number of lender is ( XXXX ) XXXX XXXX. After providing them my date of birth, name etc. The lender said there were no accounts in my name created or any applications. I dont understand this when they hit my credit. This is fraud!
Consumer complaint received 2024-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to file a lawsuit against this company for fraudulent conduct and harassment against my will. I have been harassed for payments for a loan I never opened and I will not pay anything thats doesnt belong to me.
Consumer complaint received 2024-09-20
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Inactive modal Consumer Financial Protection Bureau Start a new complaint All complaints XXXX Print complaint Open Submitted Status Submitted to the CFPB on XX/XX/XXXX  Product Credit reporting or other personal consumer reports Issue Incorrect information on your report We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I entered into a forbearance plan with Bank of America for the months of XXXX, XXXX and XXXX of XXXX. The approval letter stayed that the forbearance period would end on XX/XX/. I made several payments prior to the end of the forbearance period and my account was brought completely current on XX/XX/ XXXX. Bank of Ameruca is reporting a 30 day late payment for XX/XX/2024 that they refuse to remove. I spoke with several representatives who assured me the account would not be considered late unless payment was made 30 days AFTER the end of my forbearance. I appealed to the XXXX office and they stated the terms of the approval specified that if all payments were not brought current prior to the expiration of the forbearance it would be considered late however, it is not stated in any written paperwork. Furthermore several representatives told me this was false on multiple recorded phone calls.
Consumer complaint received 2017-06-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE ()

On XXXX XXXX XXXX My Step Dad sent my boyfriend {$300.00} to surprise me to ask me to marry him at my cousins wedding and of course i got hired on a new job!!!!!!! I 'm an American citizen!!! On Monday XX/XX/XXXXWe arrived at Western Union to pick up the money that was sent and stood in line for well over an hour!!!!! My Boyfriend was told that the transaction was not allowed. By this time i am wondering what is going on and why my boyfriend is looking Panicky ... .. So i ask what was going on and then he told me that my step Dad had sent money for him to surprise me!!!!!! Unbeknownst to me until 20 minutes before the wedding my cousin called looking for us because we had not shown up and said that My boyfriend was to propose to me!!!!!! This is so hurtful to me because we lost a moment that we cant ever get back and Between food Hotel accommodations, Taxi rides and The XXXX charges a fee on XXXX per couple per day in order to be on there resort ... ... We lost close to 1500  bucks and my cousins feelings were very hurt and furthermore we lost a moment that we can never get back!!!!! I believe that Western Discriminated against us because we were XXXX sending a large sum of money!!!!!!! I have often found that they have a tendency to discriminate against people of XXXX!!!!!! No one at any given time called to tell the sender that the Money transfer was cancelled .... When he walked into the agent location to send the money that transaction went thru!!!!!! You do n't take someones money and then cancel it without calling to let them know that you are not processing the transaction. Even still they had one whole day to call the sender and say we cancelled your transaction and then my stepdad could have found another way to send it before he hit the road ... ... My stepdad is a truck driver of oversize loads and there is no way for him to get that truck into a parking lot of a western union office and he could not pick up the money to resend with XXXX XXXX and not to mention the tension that this issue has caused between every one!!!!! I want my money back and i want to be compensated for the emotional toll this has taken on all of us. Oh and furthermore i reached out to them on several occasion and was pretty much told to XXXX off and oh well!!!!! The sender also called and they gave him a new tracking number to pick up his money!!!!!! That was after everything had went down ... .. We was clearly upset about this issue and could not even enjoy the resort that we stayed in .... This was a disaster!!!!!
Consumer complaint received 2024-11-19
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MA)

Dear Macys/CBNA, I am writing regarding the late payments reported on my credit report for XX/XX/XXXX and XXXX through XX/XX/XXXX. Upon reviewing my records, I am uncertain how these occurred. I believe I made my payments when I received my statements, and any delay may have been due to not receiving my statements or a processing issue where payments were not applied quickly enough. 

During the XXXX XXXX timeframe, I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX during the XXXX XXXX. This extraordinary circumstance left me unable to fully manage my financial obligations. These late payments now stand as the only negative marks on my otherwise solid credit history and are significantly impacting my ability to close on a home. 

I kindly request, in light of our good-standing relationship and my history of timely payments, that you remove these 30/60-day late payments from my credit report and refund any late fees associated with these occurrences. 

Additionally, I believe this reporting may violate the Fair Credit Billing Act ( FCBA, 15 U.S.C. 1666b ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), as the delays may have resulted from billing issues or errors. I trust you share my commitment to accurate and fair reporting, and I ask for your cooperation in rectifying this matter. 

Your prompt attention to this issue would be greatly appreciated, and I hope we can resolve this amicably. Thank you for your understanding and assistance.
Consumer complaint received 2018-10-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/2018, I went to check on my {$15000.00} CD account with Bank of America. I have evidence of this account for several years, then tax reports stopped. I did not withdraw the money. However, they could find the account number, but no funds. Their research and investigation department searched for it twice and could not find the money, nor any documentation of what happened to it. They sent me a letter that this investigation case is now closed as of XX/XX/18. 

I obviously want my {$15000.00} plus the interest earned for all these years. 

I have checked twice with the State and they do not have it as unclaimed money. 

Please help. 

XXXX XXXX
Consumer complaint received 2024-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings (CA)

I recently filed complaint against XXXX and Zions Collections because they are trying to collect for services I cancelled and paid. I explained how I tried cancelling for months in XXXX, and they keep billing me over and over. I explained how I made a final payment months after I tried cancelling, and they still keep billing. 

I then showed proof of my cancel notices and certified mail receipts of cancelled notices to Brinks and to other collectors who were collecting. Finally, I showed proof I tried to dispute this with XXXX and they still keep collecting. I then file a complaint with your agency showing you XXXX still keeps trying to cheat me and collect on something I cancelled. 

You know what XXXX does? XXXX says my cancelation is invalid because I was past due in XXXX and I tried cancelling in XXXX. It is the dumbest thing I ever heard in my life. What do you mean my cancelation is invalid? They have to accept my cancelation no matter how much money I owe. So just because someone is a past month due, they can't cancel services? So, a company can just keep billing someone forever? We both know that is not true, but the collection is making that stupid excuse to YOU to keep breaking the law and keep trying to collect from me. Now they are saying if I pay this in full, they will delete it. But why should I pay for something I don't owe, already paid, and cancelled numerous times? 

And their excuse is stupid for other reasons too. Even if I was late in XXXX when I cancelled in XXXX, the paperwork they showed me with all the payments says I paid them in full {$320.00} in XXXX and there was {$0.00} balance. That is after I already cancelled Brinks in XXXX in writing. If I cancelled them in XXXX, and I paid them in full in XXXX, then why they keep billing me after that? I will now show you their stupid response they filed to you and their new e-mail trying to have me pay them. 

Must I hire lawyer to sue them? Do they just get to say lies to you and get away with it? Does this complaint even do anything? Please help me to get them to stop collecting this debt I do not owe. I did everything right and I already paid.
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

While trying to get a XXXX XXXX account and also a secured card through a credit company, I found out there was different information on my TRANSUNION credit report. When I contacted TRANSUNION, they had my last name from a previous marriage over ten years ago and refuse to change it. They tell me to contact my creditors, even though I have never opened up an account or gotten a loan in my entire life. The only thing I have is medical debt, all acquired in the years of my current name. I am at a loss of what to do and can not improve or move forwards creating credit for myself. THEY REFUSE! They also had a previous address and I would have to send information in to fix, which is going to have the wrong name and get thrown out anyways. HOW IS ALL OF THIS NOT ILLEGAL?
Consumer complaint received 2018-03-07
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. (NY)

this account was paid in full and closed buy the consumer it was never late are Charge-off XXXX XXXX XXXX XXXX  Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance $ - Balance Updated - Credit Limit {$7500.00} Past Due Amount $ - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, DE XXXX Ownership Joint Account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History
Consumer complaint received 2024-09-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hello, I was charged for a service that did not take place. It was basically fraud. I tried contacting the company in XXXX and was unsuccessful. XXXX does not have a customer complaint area. Does not have a guest services department or phone numbers for tourist. So I went to my bank. My bank reject my complaint so I went further and I found the main companies contact information in XXXX. The company only work in XXXX and all over the world but their head quarters is in XXXX. I told to my bank I sent them the information and they refused to help me. The company in XXXX I have not heard back from them since either because Bank of America will not help to contact the XXXX locations.
Consumer complaint received 2024-11-21
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

Not sure of all dates but, XXXX XXXX XXXX XXXX XXXX Truist took a {$5.00} fee for transfers from my savings account. Apparently this is their rule. I have never done this before, but we flooded in XXXX and have had to pay several venders and contractors. I put the Flood insurance advance in my savings account and used it to transfer funds to my checking account. There is not personnel involved, these are all online transfers from my savings to checking. I pay off other accounts on a regular basis but because of the damage and repairs to my home, i apparently exceeded to limit.

I called and Truist personnel credited some but, we quite adamant that this was one time. I went to a local office and was told to close my account. 
Please help if you can. 
thank you in advance
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA (FL)

During a review of my credit, I noticed multiple unauthorized inquires. I had not authorized any of the listed companies to conduct inquires on my behalf. There are multiple inquires on XX/XX/year>.
Consumer complaint received 2024-11-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (AK)

15 U.S. Code $ 1681C-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft.
Consumer complaint received 2024-11-19
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX, I applied for a XXXX XXXX  job position sent to my XXXX email by XXXX. I got the job and the guy said he was XXXX XXXX XXXX ( XXXX ) and wanted me to XXXX XXXX XXXX XXXX XXXX  He sent me a mobile deposit of {$750.00} on the same day and {$400.00} was transferred immediately. He told me to send the {$400.00} through XXXX XXXX to different phone number. It was completed on the XXXX. The deposit refunded itself on the XXXX as the check was fake, taking my {$400.00}. I asked Wells Fargo to cancel the transactions on the XXXX as they were still pending but they couldnt. So I asked to submit a claim and it was closed and declined on the XXXX.