davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am writing to express my profound dissatisfaction with the recent experience I had at the Bank of America bank branch located at XXXX XXXX XXXX XXXX. On XX/XX/23, I visited the bank to cash my paycheck from my employer, XXXX XXXX XXXX XXXX XXXX To my dismay, I was subjected to a highly disappointing and unprofessional encounter with the bank tellers. 

My paycheck, which was issued by XXXX XXXX, was refused for cashing, and I was informed that the bank would only honor it if I opened an account. This requirement took me by surprise and left me feeling marginalized and racially profiled. I strongly believe that the amount of my paycheck should not dictate how I am treated as a customer. 

This incident not only caused significant inconvenience but also made me a day late in paying my bills, which I find unacceptable. Such practices not only tarnish the bank 's reputation but also result in unnecessary stress and financial difficulties for customers like me. 

I request that you investigate this matter thoroughly and take appropriate action against the tellers involved in this incident. Discriminatory practices have no place in any reputable institution, and it is crucial that steps are taken to prevent such incidents from recurring. 

Furthermore, I would appreciate an official response the bank acknowledging this complaint and outlining the steps they plan to take to ensure a more inclusive and fair approach to serving the community. 

Instead of honoring the check, I have to wait 7 days for my bank to verify the XXXX party check placing me at risk of losing my insurance, and delaying other bills that could put my livelihood at risk.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-04-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMW Financial Services NA, LLC (CA)

On XX/XX/XXXX I purchased a new BMW XXXX. I took a loan of {$10000.00} from the BMW Financial Services ( BFS ). With the purchase of my car, I also bought the extended warranty for {$5800.00}. Within a couple of days from the purchase date, I cancelled the Extended warranty. The extended warranty refund was not returned to me, instead I was told by the Finance manager at XXXXXXXX XXXX  ( dealership ) that the money will be applied towards the loan that I have with XXXX. I paid {$180.00} ( principal + interest ) on the loan ( {$10000.00} ) for 4 months ( XX/XX/XXXX- XX/XX/XXXX ). When I decided to payoff the loan on XX/XX/XXXX, the payoff amount given to me by XXXX agent was {$9500.00}. The agent was not aware of {$5800.00} applied towards the principal coming from XXXX XXXX I mailed the payoff check ( {$9500.00} ) which cleared by XX/XX/XXXX. In the meantime, I started to inquire about the {$5800.00} form the dealer. After a lot of back and forth, I received an email at XXXX ( my account ) for a refund of {$5600.00}. The letter was dated XX/XX/XXXX and stated that I will receive this check by XX/XX/XXXX. I lodged a complaint with XXXX XXXX XXXX XXXX XXXX ) on XXXXXXXX XXXX for the partial refund. The dealership sent me a check for {$220.00} because they had sent rest of the amount to the XXXX towards the loan. Since I had paid off my loan, I was told that I would get the rest {$5600.00} from XXXX. I called XXXX twice so far and each agent gives me a different story. On XX/XX/XXXX, one agent told me that the check will be cut on the XXXX and I should receive my payment the following week. Today I spoke to XXXX and he could not tell when the check was mailed to me or anything specific. He offered to cancel the current check and process a new check which would take another 15 days to reach me.
Consumer complaint received 2023-10-22
Product: Credit reporting 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)

XXXX dispute department XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Account # XXXX XXXX Dear XXXX, I am writing to dispute the accuracy of the information on my credit report. Specifically, I would like to dispute the account referenced as # XXXX, with the creditor XXXX. 

I believe that this account contains inaccurate information, and I request that you investigate and correct it in accordance with the Fair Credit Reporting Act ( FCRA ), as well as other applicable laws. I am disputing this information based on the following reasons : 1. Violation of Privacy Rights : According to the FCRA, specifically 15 USC 1681 Section 602, I have the right to privacy. Section 604 of the same Act reinforces this right. The creditor in question has violated my privacy rights by reporting this account without my written instruction, which is expressly prohibited by these sections.

2. Late Payment Inaccuracies : Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. I believe that there may be inaccuracies in the reporting of late payments related to this account. 

I kindly request that you investigate the accuracy of this account, including the late payment reporting, and take the necessary actions to correct any inaccuracies in my credit report. 

I understand that you have a legal obligation to investigate this dispute under the FCRA. Please provide me with the results of your investigation and any actions taken within the required time frame. 

Please note that I am making the same dispute with Experian, and I expect a thorough investigation from both credit reporting agencies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-22
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Im filing a complaint against capital one bank for for mishandling my walmart rewards account using deceptive practices such as withholding disputes charges that i file from my account as well as unauthorized charges I reported to my account this happened XX/XX/2023 when I called capital one to ask why they had not given me a credit for dispute charges I had reported in which they told me they are putting a hold on my dispute credits until my case would be resolved and when I asked why they did not give me a explanation this is something they have never done and i found to be unfair business practices fast forward XX/XX/XXXX I reported my card lost and unauthorized charges and now they are withholding those charges as well with no explanation given I am a person who suffers from mental illness with XXXX XXXX XXXX and I am not feeling up to par with the overwhelmingness of capital one constantly sending me paperwork to fill out for disputes that don't need no additional information for I've given full information and dates and charges every time Over the phone all charges will be listed below in which I did not receive and capital one is withholding from me
Consumer complaint received 2023-10-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Innovate Managed Holdings, LLC (CO)

Innovate auto financing is not reporting my payment history since refinancing my auto loan to any of the XXXX bureaus and I am missing my loan information on all credit reports. I contacted them multiple times to gain a reason as to why they don't report and I was ignored and never responded to. I am trying to purchase another used vehicle with the trade of the vehicle on my current loan that is through them, and am having trouble finding anyone who is willing due to the lack of payment history affecting my current XXXX XXXX.
Consumer complaint received 2023-10-24
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: EQUIFAX, INC. (CA)

I am sending to submit a follow-up complaint concerning the account XXXX XXXX This account was previously reported as repaired, but it has once again displayed inaccurate late marks in its payment history. I kindly request the correction of the information associated with this account by the three major Credit Bureaus. The account details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Credit 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: CITIBANK, N.A. (SC)

Our daughter went to an XXXX facility in XXXX, GA for medical care on XX/XX/XXXX and XXXX, 2024. They did not send her a bill. In less than a month, XXXX charged her credit card that she previously used without her knowledge or authorization this time. As the responsible party, I let Citi know of the issue and disputed the charges for being unauthorized. Although it is not Citi 's concern, the XXXX for XXXX 's medical care matched the amounts due ( {$120.00} and {$120.00} ) and I paid that bill with XXXX XXXX check # XXXX for {$240.00} and uploaded a copy of the check from XXXX XXXX online as proof of payment. Again, Citi was not even in the position to ask for proof of payment as the charges were unauthorized. XXXX put no effort into properly resolving the issue of payment. 

Citi allowed the dispute for {$120.00} but denied the dispute for {$120.00}. I can not get my head around their logic. I attempted to resolve with their online chat and was simply bounced from person to person until I gave up. No one there provided any help.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DC)

I AM The Victim Of Identity Theft ; Whereas, FRAUD ACCOUNTS -AND - CREDIT INQUIRES Appear Per My Credit Report. With That Said, A Designated Police Report ; Proof Of Law Enforcement Correspondence ; And, Proof Of True Identity Forwarded As Such : FRAUD ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-21
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (CA)

I've XXXX a victim of identity theft per mail theft and have filled identity theft with the IRS and have my from XXXX XXXX XXXX XXXX XXXX my afvadavate of identity theft from from the IRS and have had my pay pal Master card pre paid account whipped out I've XXXX a victim of unauthorized transactions and have since disputed the charges with pay pal Master card directly with no avail they simply just denied my claim with no error found and are completely useless when I call in for help from the customer service number from deninying me accesses to not willing to help what's so ever in reoping my cases please help XXXX XXXX Account number XXXX Claim number XXXX Claim date XX/XX/2023 Claim amounts {$2500.00} Trans dates XXXX XX/XX/2023 XXXX & XXXX
Consumer complaint received 2023-10-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MN)

On XX/XX/, I was contacted by an individual claiming to sell pharmaceuticals. After placing an order, they stated the medicines could not be directly shipped to the USA. TwXXXX supposed logistics companies- XXXX and XXXX - then demanded additional shipping fees totaling {$45000.00}. 

Foolishly, between XX/XX/XXXX and XX/XX/XXXX I provided the funds as requested through a series of transactions via Zelle as well as other services - XXXX XXXX XXXX, XXXX and XXXX XXXX - not realizing I was being scammed. I maxed out my XXXX XXXX, XXXX, and XXXX XXXX credit cards taking cash advances to fund these accounts and send payments. 

In total, at least {$800.00} was withdrawn from my XXXX XXXX credit card, and {$5200.00} was ultimately sent through Zelle. The various crypto, XXXX and money transfer platforms were simply used as pass-through services to funnel money to the scammers ' accounts. 

I did authorize these transactions but Zelle failed to monitor and halt this unusual activity which emptied my retirement savings. I am requesting the full {$5200.00} be reimbursed and fraudulent charges reversed, along with an investigation into the lack of consumer safeguards. All supporting documentation is attached. Please help recover these devastating losses and hold the companies enabling them accountable.
Consumer complaint received 2023-10-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

IDENTITY THEFT I have contacted all parties involved associated with the fraudulent activities associated with my name, NUMEROUS times. I Have Let Them Know! A Violation of 15 USC 1611. The only answer I get is it is accurate, but I disagree with the decision! Which I DO DISAGREE Because this isnt my debit. Rightfully I should not be held accountable for someone else using my information. I have provided police reports, copies of my identification card, social security number and card, I have even sent FTC affidavits. I was assaulted and robbed which is all in the police report. Per 15 U.S. Code 1611 Criminal liability for willful and knowing violations.

15 U.S. Code 1692K - The FDCPA, or Fair Debt Collection Practices Act, find its teeth in section k which imposes civil liability upon any person or business who violates the FDCPA.

15 U.S. 1681 - The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Section 812 - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Consumer complaint received 2024-03-31
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (TX)

I am a flight attendant who got furloughed during the pandemic and had no financial means to keep paying rent. Therefore I offered XXXX XXXX dollars to negotiate terminating the lease early but the landlord did not accept and sent the debt to a collections agency who will not negotiate a better option for me to be able to pay it off.
Consumer complaint received 2023-10-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (RI)

I called MoneyGram customer service today, on XX/XX/23, at approximately XXXX XXXX  Northeastern Time, regarding issues with logging into their website. Unfortunately, they informed me that they had detected suspicious activity and decided to block my access to MoneyGram, which I believe to be arbitrary and unfounded. 

I politely inquired about the specific allegations of suspicious activity, but they declined to provide any details and simply initiated an internal case. 

Furthermore, I politely requested to file an internal complaint for documentation purposes, and they assigned a case number, XXXX. 

Finally, I asked for information regarding the regulatory authorities to whom I could report my complaint due to their XXXX waiting period. However, the supervisor, XXXX, refused to provide this information. 

I have concerns that MoneyGrams actions may not be in compliance with federal or state laws, and I feel that my rights may have been violated through discriminatory practices.
Consumer complaint received 2023-10-21
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: Chime Financial Inc (MN)

I was with Chime banking for several years. I have tried disputing an account transaction with them from XXXX. 

In the ammounts of {$200.00} and {$1000.00} Intially a few months back I just said forget it. They kept closing the dispute dispite me adding proof. 

They asked me several questions that XXXX would not provide. 

XXXX closed my account. " services not rendered '' Chime has never received any type of refund to my account. 

Chime continually denies my dispute. They claim they are doing an investigation, but several times they came back with a descision with 20 minutes, 30 minutes an hour. 

That is not an investigation. 

I am uploading documents showing XXXX agreed to reimburseme me. " However '' XXXX does not send out personal details as far as the number. This can be seen in my screenshots in there terms and conditions. 

Chime needs to provide me with temporary relief as well as do a full investigation..
Consumer complaint received 2023-10-21
Product: Credit 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: JPMORGAN CHASE & CO. (NJ)

On XX/XX/ three purchases appeared on my Chase Visa credit card bill from XXXX XXXX : {$66.00}, {$66.00}, and {$52.00}. I called Chase immediately, spoke to the Fraud Dept., told I was not responsible, and the charges were removed. They canceled the card. In a letter from Chase dated XX/XX/ I was told I was responsible for the charges because I " received benefit from these transactions ''. When I called the Fraud Dept. again I was told the charges could only be made with my card. Said card never left my possession, and all I purchased in XXXX that day were lottery tickets for cash. Fraud Dept. told me to speak to XXXX 's bookkeeper to see if they could see what the purchases were for. I was told they do not have the ability to do so. The three charges appeared again on my XXXX statement and in a letter from Chase dated XX/XX/ I was told the charges are valid, I'm responsible for them, and they have completed their review. 

Credit card was in my possession when I called them, and it never left my wallet. I did not make any purchases in XXXX that day except for lottery tickets in cash. I would love to know what " benefit I received from these transactions '' because it was not me who benefited.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I RECEIVED MY REINVESTIGATION BACK AND YOU STATED YOU COMPLETED A FAIR INVESTIGATION AND THESE ACCOUNTS ARE 100 % ACCURATE. BUT CAN YOU PLEASE TELL ME HOW DID YOU INVESTIGATE THESE ACCOUNTS? ACCORDING TO THE FAIR CREDIT REPORTING ACT 15 U.S CODE 1681A THIS IS HOW YOUR SUPPOSE TO INVESTIGATE MY CONSUMER REPORT. 

DID YOU COMPLETE A FAIR INVESTIGATION WITH CLOSE FRIENDS, FAMILY OR NEIGHBORS? 
AN CAN YOU PLEASE TELL ME HOW THIS INFORMATION IS ACCURATE. WHEN THE ACCOUNTS LISTED I AM NOT AWARE OF AN DOES NOT BELONG TO ME. 
THESE ACCOUNTS ARE FRAUDULENT AN SHOULD NOT BE REPORTED ON MY ACCOUNT. PLEASE REINVESTIGATE AN SEND OVER VERIFYING VALIDATE PROOF. 

WHAT TYPE OF PROOF TIES ME TO THE ACCOUNT? CONTRACTS ARE NOT VALIDATE ENOUGH. ANYONE COULD SIGN DOCUMENTS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/2024, I sent an adverse action letter certified mail to AMERICAN EXPRESS BANK, they received it on XX/XX/2024 & I got the return receipt on XX/XX/2024. I then recieved a response, dated XX/XX/2024 further denying my request and they have misused my credit. I informed them that I, the consumer & natural person, was denied credit by AMERICAN EXPRESS NATIONALBANK when I applied for the Platinum Card. 

Adverse action against the consumer is AGAINST the law according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c & is pursuant to civil liability under 15 U.S.C 1692k You are subject to criminal liabilityfor violating 15 U.S.C 1691 as I have proof that I was discriminated against by AMERICAN EXPRESS NATIONAL BANK due to the response I received. AMERICAN EXPRESS NATIONAL BANK is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith but credit was not issued. Furthermore, because my social security number ( credit card ) was used & I received NO benefit.