davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-15
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: MB FINANCIAL, INC. (IL)

XXXX complaints against MB Financial Bank : 1. Despite the correct trial debit and credit transactions designed to establish ownership and permission which have been processed at MBFB from both XXXX XXXX Bank and the University XXXX XXXX, XXXX has failed to process the subsequent transfer requests made by me from those XXXX banks for funds residing in my account at MBFB. This has caused bills to be missed. They have failed to provide the contracted services and caused me financial harm wrt late fees and penalties which resulted from their failure to transfer the requested funds. 

2. Despite assurances on at least three occasions that my new MBFB ATM card would function exactly as did my XXXX XXXX XXXX ATM did prior to the bank being acquired by MBFB, it does not. MBFB fraudulently claims that there is no service fee to use their new ATM card at overseas locations. This is a lie. They do not indicate any fee, but they do not provide the current bank exchange rate when withdrawing money in local currency from overseas ATM 's. The acquired bank ATM card provided the actual current bank rate of exchange for all ATM transactions overseas for over 20 years. MBFB practices amount to a fee for such transactions. For the XXXX transactions I have made in XXXX, XXXX XXXX, and XXXX, this has amounted to a transaction fee of between XXXX and XXXX %. They are lying about this fee, stating that they do not charge one. It is fraudulent because they hide the fee in the exchange rate used for the transaction. 

These practices remind one of the type of moral XXXX prevalent at XXXX XXXX. Please take action to correct this criminal activity.
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My old credit card ( ending in XXXX ) was set to expire in XX/XX/XXXX, so as per Capital One Bank rep their system auto-generated new cards and mailed them to my address on file on XX/XX/XXXX. Capital One said the letter was supposed to be delivered by XX/XX/XXXX ; however, I never received the letter and the new credit card that they sent. On XX/XX/XXXX, between XXXX and XXXX, I received numerous texts and calls from random numbers, but I didn't respond or click any links. I even had to turn off my phone because I'm in the middle of review for my exam and was getting distracted. At XXXX, I saw a notifications from Capital One detailing three large unauthorized transactions ( {$7000.00}, {$12000.00}, and {$7700.00} ) at XXXX XXXX XXXX XXXXXXXX at XXXX XXXX XXXX XXXX XXXX NY XXXX I immediately called Capital One to dispute the charges and lock my card. 

On XX/XX/XXXX, Capital One informed me that the dispute process was completed, and the charges were considered valid ( case # XXXX ). When I called to dispute their decision, they insisted that I needed a person of interest for reconsideration. The representative, XXXX ( XXXX : XXXX ), explained that the new card which I never received ( XXXX exp XX/XX/XXXX ) was activated using my phone number and used at XXXX XXXX XXXX XXXX. I contacted and visited XXXX XXXX XXXX XXXX  XXXX XXXX, but she said further details could only be provided to law enforcement. When I went to the police station, they told me they needed an affidavit letter from the bank stating the charges were fraudulent and suggested hiring a civil litigation lawyer. 

On XX/XX/XXXX, I found and retained XXXX XXXX XXXX to help with the dispute. Despite our efforts, Capital One refused to provide an affidavit letter, as their system showed the transactions were made using the new card ( which I never received ) and microchip activated with my phone number. My detailed XXXX phone records prove that I never called Capital One to activate a card during XXXX or on XX/XX/XXXX, but they still won't accept this as evidence of fraud. They said they can not compel the merchant to submit evidence of the transactions.
Consumer complaint received 2023-04-20
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc. (TX)

I have a loan through System And Services Technologies ( SST ). Their website is https : //accountinfo.comXXXX 

I have had a few instances of late payments that have been rectified by their tactics have grown to be excessive. The previous series of communications involved 2-3 calls, two text messages, and 2 emails daily until the account was made current. I responded to one of the texts and they responder was aggressive and rude but toed the line on breaching FDCA. 

The incident I am more concerned about is their current campaign. I was 5 days late. Each day after due date their calls and emails began to increase. I made the payment yesterday ( XX/XX/19 ) and even after they payment they called me 4 times one of which was from different phone number. 

I've had the account for 2 years and while there have been times I've struggled to stay current, I have always made it current. 

Their tactics are causing unnecessary stress and frustration. This company has no compassion or wiliness to work with people to resolve the balance in reasonable fashion.
Consumer complaint received 2023-04-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/23 I called Synchrony bank in order to close my IRA CD with low interest rate, willing to accept early withdrawal penalty in order to open brand new Synchrony IRA CD with double the interest. I asked to move the balance from closed CD to this new CD. Representative advised me that it may take 5-7 business days. New IRA CD was opened right away that same day. Up to now Synchrony bank website lists it as Not Funded. 
I called back three times since then to get an update on closing old CD and transferring funds to the new CD. 
Representatives kept telling me that this is internal transfer and it should not take that long. They talked to their supervisor and assure me that they will expedite the closing and transferring process. 
As of XX/XX/23 it has been 20 business days and still nothing is complete. New CD practically lost one month of higher interest. I feel that I have absolutely no control over my retirement money. At this point I cant close my CD, I cant move my funds to a different financial institution even if I wanted too. It looks like Synchrony bank keeps my money hostage keeping them at low undesirable interest rate. Ive been their customer for longer than 10 years. I have done similar transactions at other banks, and the process was practically immediate. I cant find any explanation why this relatively simple process takes so long. 
I need outside help with resolving this issue, because I have exhausted my options. 
Thank you
Consumer complaint received 2023-04-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Good morning, I start this new complaint because I have not receive a response from the bank nor the CFPB in over a month. 

I have already made two complaints before with the following number : XXXX XXXX. Last response XXXX still working on the issue. 
XXXX XXXX. Last XXXX XXXX still working on the issue. 

Both Complaints are for the same case, The Bank permitted XXXX Transfers to go thru which I did not authorized. 

This person took almost all my savings in just 10 days. 

I also have made a complaint with the information a gather of those transactions to the FBI, so they can look out this persons. 

I really would appreciate you help with my case and request to the Bank all the information which I have ask directly but they had not answer to me. 

Once again XXXX thanks you for all your good work, and will be specting a promt positive response. 

Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In XX/XX/XXXX, I discovered several inaccurate collection accounts on my credit report. These entries were reported without proper validation or accuracy, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. Despite contacting the relevant companies and providing documentation, these errors remain unresolved. 

Collection Accounts : Under 15 U.S.C. 1681s-2, furnishers of information to consumer reporting agencies must report accurate information. The following collection accounts are being inaccurately reported and should be removed : XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$430.00} Status : Collection/Chargeoff Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$6500.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$7300.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX XXXX. XXXX Account Number : XXXX Balance : {$0.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX These accounts have been incorrectly reported, causing harm to my credit score and financial standing. I request an immediate investigation and removal of these accounts from my credit report, as mandated by the FCRA.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-04-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (GA)

A Caller claimed to be from " TSI '' according to the Caller ID. The number was XXXX they were trying to get information out of me and whenever I kept asking them what was about it they were ignoring my questions and became very demanding. I hung up the phone and blocked it. I ask this number be taken down so it doesn't go after me or anyone else.
Consumer complaint received 2023-04-22
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: ENCORE CAPITAL GROUP INC. (TX)

XX/XX/XXXX I wrote Midland Funding a direct letter asking for specific information in regards to account # XXXX to their mailing disputing address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX MI XXXX tracking number XXXX. XX/XX/XXXX Midland Funding received my request. It has been 31 days since I sent my request inquiry and I have NOT received any information back from this debt buyer. The specific information I was requesting was Original Date of 1st Delinquency date that occurred on the Original Creditor account with XXXX  XXXX. 
Last payment made on the Original Creditor account with XXXX XXXX. 
How many days was this account LATE before the Original Charge Off date XX/XX/XXXX with the Original Creditor XXXX  XXXX. Example XXXX, Charge off Midland Funding LLC or Midland Credit Management whom ever they represent themselves as has failed to respond to my inquiry within 30 business days not including holidays and weekends which is a violation of the FDCPA and FCRA. This company is reporting different information to XXXX XXXX and XXXX and all 3 companies have Verified as Accurate this account or updated the account. I do not know which consumer reporting agency is reporting accurate information because all 3 agencies report different information. 

* XXXX Verified as Accurate this account on XX/XX/XXXX file number XXXX with a 7 year purging date of XX/XX/XXXX and a past due dollar amount {$8400.00} currently reporting. They claim that this account was closed on XX/XX/XXXX all while reporting the Account Type as Open. The Original Amount reports {$8400.00} while the Balance and Past Due report {$8400.00}. There is no reason why the balance and original amount should be different. 

* XXXX generated me results for this account on XX/XX/XXXX confirmation number XXXX with the date of delinquency date of XX/XX/XXXX. The high credit reports {$8400.00} with a balance and past due of {$8400.00}. The account type reads Open with a Payment History reporting 120-149 days past due. 

* XXXX generated me with results on XX/XX/XXXX report # XXXX with the 7 year purging date of XX/XX/XXXX. The Original balance reports {$8400.00} while the balance reports {$8400.00}. The current status reads {$8400.00} past due and a Payment History is being reported. Midland has updated information with experian but refused to answer to my inquiry letter? How is that legal? 

This is why I requested information directly from the source in clear explanation and this company refused to answer to my inquiry and send me what I had requested. If this company had the information on file then they should have no problem supplying me with this specific XXXX questions.
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

40 days ago, I requested that the credit bureaus investigate errors on my credit report. As of today, I have not yet received any response. They should have responded by now.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capio Partners, LLC (AR)

Hello, I have 2 companies, Assetcare & Capio Partners, reporting the same debt on my credit report. The debt theyre both referring to was initially stated as being started in 2020 ( per the Assetcare INITIAL report ). I disputed the debt from Assetcare about 2 months ago and the debt remained, but the date then changed to reflect that the debt was acquired in XX/XX/XXXX. I tried to then dispute again due to the inaccurate information change, but the debt came back verified. Today, XX/XX/XXXX I got a notification that Capio Partners is reporting the same debt from the medical company. So that leaves both debtors reporting the same debt. I feel like this has to be a scam. Please look into this.
Consumer complaint received 2023-04-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (NY)

I went to the Dealership to service my vehicle ( XXXX XXXX XXXX and ) I was offered a deal on a XXXX XXXX XXXX. I came in because I needed a new tire and they had the wheels bolted on. I told them that I would be interested if they were able to completely cancel out my loan. I also let them know that Im an insurance agent and I can help them with insurance. I told them that I did not want the XXXX if I still had to pay on the previous loan and I left. The salesman and I texted and talked and he tried to get me to come and look at the car. He said the cost of the XXXX was {$33000.00}. When I arrived at the dealership, I was offered a job by the on-site Insurance agency owner and he said if I accepted I would be taken care of. I asked him what the inventory price of the car was and he told me. I then asked him for proof. He then sent me a picture of the sheet with the cars price on it. I told him that I wanted that price. Which was XXXX. He said that that would be fine since I accepted the job offer and I now worked for them. The original paperwork that I signed had the correct numbers that we spoke of and the previous loan was wiped away. They were offering me {$12000.00} for my XXXX and using the rebates from buying a new car to pay off the loan. After my mother and I signed the documents, I proceeded to give them {$3000.00} down payment to bring down the monthly payments. After we signed, He kept only telling me what the monthly payments were and I kept asking if I was still getting the {$28000.00} price. He kept saying yes. I never received the pink or yellow sheets from the original documents upon leaving with the car. I left with no paperwork. They said that I they would bring them to the office when I started working. They never brought them to the insurance office. When I got my information from the bank. I let the bank know that I this is not what I agreed to. I also spoke with the salesman and told him that. He then stopped coming to the insurance office and stopped texting me back. When I asked to speak with the finance manager who handled the loan, I was told that the day he helped me was his last full day. I spoke with the manager of XXXX XXXX and he said that he would bring me the documents. He never did. He tried to explain the loan to me and I still wanted the documents. I wanted to see the signatures on the documents because I know that I did not agree to the terms of this contract. I asked the bank for the documents and they FINALLY emailed them to me about 2 months ago and These documents are clearly doctored. Our signatures are copied and pasted on to them. There are no lines through some of them. Ive continuously brought this issue to the banks attention and the dealerships attention and no one is correcting anything. I also can not access the account online. None of the phone numbers on the online system are mine and now I can no longer view my contract or see any of my past emails with them on their system since Ive escalated this issue.
Consumer complaint received 2018-07-16
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)

I was an authorized user ( NOT FINANCIALLY RESPONSIBLE ) on the following negative accounts that are illegally impacting my credit negatively : 1. XXXX XXXX XXXX on XXXX 2. XXXX XXXX  on XXXX and Equifax 3. XXXX XXXX on Equifax 4. XXXX XXXX XXXX on Equifax
Consumer complaint received 2023-04-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HANCOCK WHITNEY BANK (TX)

Whitney Hancock changed my checking/savings account without my permission and then stated that I no longer needed to have an account balance to avoid fees. I have been downloading my account activity through XXXX and there should be no activity because this is a savings account. XXXX shows my account as it should be. 

I was charged and sent a paper account statement and it showed that I had been incurring $ 10 monthly fees AND the bank also charged me {$3.00} for the paper account statement that I did NOT request. 

I downloaded from quicken and there was nothing showing these charges. I logged in and found that I had to reregister even though my XXXX has been logging in all this time. 

I got in my account and saw all these $ 10 monthly charges! I never wanted this account. It is a savings account. 

I have been TRYING to get my money out of my account and the bank will not activate my account and furthermore, after speaking with the most rude and vindictive person, the woman literally locked me out of my own account and I can not get access back. 

I am not going to show up in person. I want my money and have been trying to pull it from other banks but it keeps being denied. The bank will NOT unlock my account and are seizing my assets at {$10.00} per month and now charging me and additional {$3.00} a month to show me they are taking my money with all these junk fees. 

This is going to continue because the female employee that I spoke with is vindictive and locked my account and nobody has the power or will help me get my account unlocked. The employee not only locked my account but she put it into dormant status. And if they send my money to the State of Texas then I will have to pay 10 % of the total to get my money back. 

Whitney Bank is a horrible bank and they need to be punished for their illegal behavior. I want my money. I don't want my account locked and then made dormant by a vindictive bank employee and there has to be someone that can help. I am at my wits end dealing with these horrible people and their runaround. I want ALL these junk fees reimbursed and I want ALL my money and I want to get my money out before closing this account. 

Whitney bank should not be allowed to be in business. They make up junk fees, change your account type and charge you all kinds of fees to slowly eat at your balance and they are vindictive and will NOT do anything to help you get your money or close your account but they will do everything to be vindictive and make it even more difficult for you to get your money. This bank needs to be fined and have their banking charter revoked.
Consumer complaint received 2016-10-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (TX)

My Chase account was restricted because of a mistake that was made by somebody else, resulting in me not being able to have access to my funds in my account. I 've been told that I had to wait 2 weeks until I was able to use MY money again. I was also told that some of the funds would be available today, XX/XX/XXXX. Then I was told that the manager who told me that lied to me and that my funds were still on hold. I keep getting the runaround about MY money. I have a life to live, which I can not do because the bank refuses to give me any access to MY money. They keep telling me 7-10 business days & honestly, no one can survive like that with absolutely NO money. They wo n't even let me close my account and get the funds out. Chase is just a HORRIBLE bank.