davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (NJ)

Ally Bank closed my account without notice or explanation. I initially called Ally Bank when I was unable to access my funds. Everytime I called, I was transferred to the fraud department but I was never able to speak with anyone that could help. On multiple occasions I was told that someone ( i.e. a manager ) would call me back but that never happened. 

I'm not clear as to why Ally Bank would not send the funds back to me as the owner or to the institution from which they received the original funds which is my credit union upon closure. I even looped in my credit union via phone and email for verification purposes but still received no response from Ally Bank. 

Please help me to retrieve my funds from Ally Bank. Its appalling that this case has not been resolved after such an extended length of time. Thanks in advance for your help.
Consumer complaint received 2023-05-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-05-11
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/23 - I made a donation in error of {$10000.00} to a XXXX XXXX and after reviewing the " XXXX  Giving Guarantee asked for a refund on XX/XX/23 of {$10000.00}. 

XX/XX/23 - I received a email notification from XXXX I would be receiving this full refund in 3 - 7 business days.

XXXX - Have not received the refund and Capitol One who I made the donation through is saying my claim is not valid and is putting this charge back on my credit card. 

XX/XX/23 - I have reached out to capitol one after receiving their notification to better understand why and they have told me it is not their decision by a decision by XXXX they are bound by? They are also telling me they do not have the proper information which I have provided and also attached to this complaint. Capitol One forwarded documentation presented by XXXX that does not include any of the documents I provided to Capitol One. 

XX/XX/23 - In a call with an employee in the dispute group when I asked about the notification I received from XXXX regarding the refund and that I provided to Capitol One the response was " XXXX made a decision to give the favor to the merchant. ''
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXXXXXX I was the victim of fraud. I was unaware the card was being used and charges were on it. I spoke to XXXX once the matter came to my attention. I advised them it was fraud and they advised the item would be removed. I even went as far as paying the charged off amount because I didn't want a bad relationship with XXXX even though I was the victim. XXXX is refusing to remove the matter off of my credit report, even though the amount has been paid in full, even though it was communicated fraud occurred on the account. At this point I'm being nailed to cross for a matter that I had no hand in and the company has been made whole, in full, with the payment of over XXXX that was remitted once I was made aware of the situation.
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (OH)

This is a follow up complaint to XXXX. That complaint was closed with an agreeable settlement from Comenity Capital Bank. The settlement stated a monetary relief amount of {$480.00} would be made to me. 

What happened so far is quite different. The total amount of the points that I was refused to use in the amount of {$260.00} was credited to my account and then was immediately removed since the account was closed. 

The total amount of interest, check fees, etc of {$210.00} was not credited to my account in full. Only the open balance of {$76.00} was credited leaving my account with a XXXX balance. I expected to see a credit balance of {$400.00}, not a XXXX balance. 

I called the company on XX/XX/2023 and spoke with XXXX who stated he would investigate and that I was to call back on XX/XX/XXXX. I called on XX/XX/XXXX and spoke with XXXX who stated that there is no problem, my account has a XXXX balance but that the account is still is dispute. She instructed me to send a letter to Comenity Capital Bank, attention to Billing Disputes and include a copy of the settlement letter from CFBP. I sent a letter the same day with the requested enclosure and received a reply dated XX/XX/XXXX stating that they need to investigate my claim and that they needed an additional 90 days. 

There is no justification for an addition delay of 90 days for issuing a refund in the amount of {$400.00}. The monetary relief agreed on with CFBP should be adequate evidence of my claim. Please help me with this company.
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (OR)

It would have been my preference to share this story directly with NFCU 's XXXX XXXX, however, they do not publish contact information for that committee and customer service declines to share it with me. 

I have had issues with payments to my XXXX XXXX from XXXX XXXX being delivered late by NFCU 's bill payment vendor, XXXX. When scheduled, those payments indicate electronic delivery. For reasons nobody at NFCU, XXXX XXXX, or XXXX can explain, approximately five days prior to the date I schedule, the payment is converted to a check and sent via XXXX. 

These conversions have caused my last two payments to arrive late, which has cost me hundreds of dollars in finance charges I would not have otherwise paid, and subjected my XXXX XXXX account to other adverse action. NFCU disclaimers ownership of this problem and sends me to XXXX. XXXX is aggressively unhelpful, they can not tell me why the payments are converted, and they refuse to do make me whole on the finance charges I have paid. They cap their damages at {$50.00} and my losses ( direct and indirect ) are greater than that. 

In addition, when the payment is converted, I receive an e-mail saying the funds can be withdrawn from my account prior to the date I originally authorized. I believe this is a probable Regulation E violation, to pull money from a consumer 's account earlier than they authorize, but I can not find anyone at NFCU willing to listen to this concern much less act on it. I am willing to share these e-mails with XXXX and CFPB if that is helpful. 

Most of these issues are with XXXX, my complaint here regarding NFCU is that they are unwilling to meaningfully help with an issue that is directly attributable to a vendor they selected. I did not select XXXX, they did, and I'm not XXXX 's customer, NFCU is. In my only prior occasion where I had issue with a bill payment vendor my financial institution at the time handled it for me, they did not pass the buck to the outside vendor. 

NFCU is further unwilling to provide me with contact information for the XXXX XXXX, with whom I would like to share this story, including the possible Regulation E violations, in hopes that they could address them at a higher level with XXXX and failing success from that find another bill payment vendor for the XXXX XXXX 's membership.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (CA)

Discover Bank - XXXX I was the victim of fraud. I was unaware the card was being used and charges were on it. I spoke to Discover once the matter came to my attention. I advised them it was fraud and they advised the item would be removed. I even went as far as paying the charged off amount because I didn't want a bad relationship with Discover even though I was the victim. Discover is refusing to remove the matter off of my credit report, even though the amount has been paid in full, even though it was communicated fraud occurred on the account. At this point I'm being nailed to cross for a matter that I had no hand in and the company has been made whole, in full, with the payment of over XXXX that was remitted once I was made aware of the situation.
Consumer complaint received 2023-05-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I declare under penalty pf perjury ( under the laws of the UNITED STATES, if executed outside of the UNITED STATES ) that the foregoing is true & correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL & STATE LAW to file this dispute. I also understand that knowing & willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001 Additionally these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods services, or money & was successful in creating some accounts. All. is being investigated by the FTC
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NY)

In the month of XXXX, I sent my rent over to my landlord, and it was cashed up to my understanding. But later on, I realize that it was cashed by someone fraudulently it was not who my check was originally made up to it was made to a completely different entity, which I send out every month as you can see it is XXXX properties XXXX and it was cashed by XXXX XXXX what you could also tell that the check was altered from who it was originally sent you if you were to compare from the other checks from my previous months, you would see the difference and in my current months, he would also see if the check would be checked number XXXX and all Im looking for is a solution to be able to get my money back and have this rent paid. If not, I will definitely look into small court to be able to get this solved, and it wouldnt be any more for the amount on the check, it would be for more because I am being charge late fees from my landlord because of this matter. I have never made out a check to XXXX XXXX, so the fact that it is being mentioned that the check does not look altered. Please look into the check that was deposited and compare it to the previous checks of my rent which everything else matches perfectly except for the fact that the name was changed. There is also a report that the mailbox mail was stolen on the day that my check was put in the mailbox as this happened to another tenant in my building. Wells Fargo was not up to par protecting my funds as sometimes my debit card gets flagged for even XXXX dollars that I charge for fraud and it couldnt flag a check of over {$1000.00} made out to someone Ive never made out a check to. I request this to be fully investigated as XXXX XXXX has no relationship to me, and all my checks that have been sent to my right as it is shown at the bottom for XXXX rent it was not specified for anything else and it comes to be the same amount that it is every other month.
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo charged my account several overdraft fees when the account was not low. They moved money or did not authrorized transactions causing a lot of fee over 5 to 10 years. Class action lawsuit against Wells Fargo.
Consumer complaint received 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

All the major reporting agencies have the documents that showed XXXX  XXXX XXXX was removed from the report in XX/XX/XXXX because it was more than 7 year 's since last payment was XX/XX/XXXX, now that XXXX mortgage has the same account that was deleted, and reporting false information, the credit reporting agencies are refusing to delete the account that is XXXX XXXX XXXX.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I have contacted XXXX XXXX XXXX to confirm receipt of a balance transfer in the amount of {$4000.00} from my XXXX XXXX account # XXXX to my XXXX XXXX XXXX  credit card. The transfer was initiated on XX/XX/XXXX. XXXX claimed that the balance was not transferred and they put me through many hours of phone calls and requests to have this investigated. This entire time, my balance has reflected as {$4100.00} on my credit report. As of XX/XX/XXXX, my balance on my XXXX Statement has reflected {$0.00}, which confirms that the balance transfer posted, but they still at this point have not updated my credit report to reflect that my balance is {$0.00}. I attempted to get this corrected with the credit reporting agencies and only XXXX updated by credit profile based on the evidence I provided. XXXX and Equifax still has not updated my balance to the correct {$0.00} balance. On XX/XX/XXXX, I reached out to XXXX, XXXX via email and provided them with the evidence of the cleared check that XXXX XXXX XXXX  provided me. Note : per my request I requested for XXXXXXXX XXXX XXXX to conduct an investigation. XXXX XXXX XXXX said that they would update the credit report and it will take 45 - 60 days to reflect on the credit report. Per the evidence provided by XXXXXXXX XXXX XXXX the check cleared on XX/XX/XXXX. At this point the 45 - 60 day period has passed twice and my credit report for Equifax and XXXX still reflects that I have a balance of {$4100.00}. I only want the balance to reflect the correct balance of {$0.00}.
Consumer complaint received 2023-05-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (MI)

I received an order to exempt my income from a Midland Funding LLC. I never heard of this company nor did I receive any information about coming to court. I have no knowledge of the account they say I have with their company or companies
Consumer complaint received 2023-05-11
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. (IL)

I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation and blankly ignoring the laws that they are by law to follow. 

According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 as well XXXX  - acct # XXXX XXXX- acct # XXXX XXXX - acct # XXXX XXXX XXXX - acct # XXXX XXXX XXXX  XXXX - acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. ( clear violated ) 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 I did not give you all any written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

According to the FCRA if after any REINVESTIGATION of any information disputed by the consumer, a item of the investigation appear to be inaccurate, incomplete, or can not be properly verified the consumer agency 's must Delete and remove immediately. 

Please provide me with the following items for each account : *original contract with my original signed signature *Written permission to furnish account on my consumer report *PAY off disclosure *Interest Rate Disclosure *Balance History *Payment History *credit insurance This is the last time I contact you for accurate reporting before I hire a consumer lawyer to assist as well as seek any money for furnishing the account damaging me mentally and emotionally. 
I have all the evidence to do so.
Consumer complaint received 2023-05-11
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. (FL)

This complaint is in response to my most recent copy of XXXX and Experian consumer report. I see that an XXXX Bank account XXXX reporting on those XXXX consumer report without my written consent and also is reporting account transaction information also adverse information regarding alleged account. Please be advised I am not requesting account verification via XXXX nor other third party consumer reporting agency. I want to make it known that XXXX XXXX, XXXX, and Experian are violating my consumer rights regarding this account. 15 U.S. Code 1681c states that no adverse information is allowed on the consumer report. XXXX XXXX  reports that the alleged account is a charge-off/ late payments on the account. 15 U.S. Code 1681b states that a consumer reporting agency shall furnish information In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. It is evident that XXXX and Experian current compliance procedures have failed me as a consumer. I am sure If I completed a Freedom of Information Act form to request accounting information related to XXXX bank as well as XXXX XXXX XXXXo see how the consumer data has been securitized and being traded. I will also look into a Forensic Accounting audit by a XXXX XXXX to capture the security fraud that is currently being committed by these companies regarding my consumer data/signature/applications. 
XXXX XXXX XXXX XXXX XXXX # XXXX Commission file number XXXX XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-11
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: JPMORGAN CHASE & CO. (NY)

I purchased some items from XXXX XXXX online. The delivery company ( XXXX ) lied and said they delivered my package to me and they didn't. I was clocked into work 3 hours away when they claimed it was delivered to me. Chase offered me a provisional credit but took it back once XXXX XXXX said the package was marked delivered. My package was signed for with a line. I understand it was marked delivered but I did not receive it as I was at work. I should not be held responsible for something I didn't receive. I'm only complaining now because I didn't know about the CFBP but now that I do, maybe they can help. This was {$3300.00}. I still have my letter to Chase and it was totally disregarded.
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (GA)

CITI Bank is holding my money on no grounds! They stated that my account is closed but then took my work check and will not release my funds. CITI BANK doesnt have a branch anywhere in the USA and no one can understand me. Please can someone help me.
Consumer complaint received 2017-12-02
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: CITIBANK, N.A. (NJ)

My citi card was charged XXXX on XXXX-17 for XXXX internet security a Russian company.Prior to this charge I contacted them via internet and said to not charge my account.I have protection thru my cable company.I also called citi cards and explained to them the rep.suggested we destroy the exsiting card and issue another card with different account numbers so this XXXX company could not automatically charge the new card.This conversation may have and should have been taped by citi cards.My complaint is 2 fold against citi cards for not protecting my credit and against XXXX for charging for something do n't want and by the way never downloaded their info to be used.
Consumer complaint received 2023-05-11
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. (IL)

I have accounts showing that I have late payments or delinquent payments which is inaccurate. 

XXXX XXXX XXXX ( Late Payment ) DPED XXXX ( Late Payments/ Delinquent ) DPED XXXX ( Late Payments/ Delinquent )
Consumer complaint received 2023-05-11
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 submitted a complaint last XX/XX/2023 and it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ) and it was marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding these fraudulent items to REMOVE them from my credit report immediately. These accounts are NOT MINE.