davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I made a purchase for the holidays on XX/XX/XXXX using my Kohls card. I usually buy something and paid it off in full. In XX/XX/XXXX, I paid off my balance and then some ( for interest ). I miscalculated my total payoff by {$1.00} short. I moved to a different city and changed my address with Kohls so I thought I would get notification if I still had a balance out. I did not know I still owed them {$1.00}. From XXXX I was reported as late for {$1.00}. I was going to purchase something from Kohls online so I logged into my account and seen I had {$1.00} balance. I was confused but I paid it off then Kohls shut down my account. I didnt realize my credit scored was effected until I randomly looked it up last month and sure enough it went from XXXX to XXXX!! For XXXX XXXX  I contacted Kohls right away to file a dispute. The representative informed me my address was not changed. Then I told her I changed it. She proceeded to tell me you may have changed it with your Kohls rewards but not with the actual credit card. I was mistaken. Ok so I asked her if they could please remove the {$1.00} balance since I didnt have any recollection I still had a balance and that I wasnt aware that Kohls Rewards and Kohls CC dont talk to each other with address changes. Then I get a letter from Kohls ( Capital One, N.A. ) informing me that they are unable to update anything to the credit bureaus and it stands where it is. I am blown away. For XXXX XXXX  my credit went from XXXX to XXXX. Please I am in the process of buying a home within the next few months and having such a low credit score disables me from borrowing the money needed. I dont know what else to do. Please assist in this matter. 

XXXX XXXX
Consumer complaint received 2015-07-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (OH)

Recently in XX/XX/XXXX of this year we realized that we had been defrauded by a book keeper in our office. We intermediately filed a police report and pressed charges. From there we went to the banks and told them what happened and provided detailed information about the amounts, check # 's, dates ... .everything they needed to start their investigation. 

TODAY I received a letter that they have DENIED my claim and will not be helping me whatsoever recover any of this money. I thought this money was FDIC insured? 

Please help me..we are a small business with less than XXXX employees and are at risk of shutting down as a result of this massive theft. The amount stolen was over {$80000.00}. 

PNC Bank could have helped us recover up to {$50000.00} of this money but they have chosen to flat out reject my claims based on typical bank stuff.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

15 U.S.C 1692c - Communication in connection with debt collection ( A ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( A-1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( B ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

15 U.S.C 1692b acquisition of location information 15 U.S.C 1681 section 604 a -2 : States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 section 602 a : States that I have the right to privacy. 

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 2023-06-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (OH)

I used Western Union to send an advance payment of {$1000.00} for a safari to my travel agent in XXXX, XXXX who banks with XXXXXXXX XXXX in XXXX. The money was supposed to have been delivered on XX/XX/2023. But money never reached the travel agent. After the agent did not receive the money a week after expected, I called Western Union and inquired about it. On the first phone call, I was told that the transfer was rejected, and the gentleman transferred me to the operation that deals with refunds, but I was told there that the money was delivered, much to my surprise. From that day I called that operation several times, each time after reaching out to the travel agent and asking them to talk to the bank manager. WU asked me to get the bank statement of the agent ( which is an unethical request, but I made that anyway with a definite rebuff ). The bank kept telling them that the money did not reach the bank. Still suspecting that the bank manager was not diligent, I wrote to him nonetheless, though I had not interacted with the bank ; only Western Union did. The bank manager refused to communicate with me, because I was not their customer ( which makes sense ). Still dissatisfied, I wrote to the CEO of XXXX in XXXX XXXX. I received quick response from the corporate office. I was told that the money never reached the bank. They insisted it was impossible for them to receive money from WU as the bank has no agreement with WU. When I called WU again to tell them what I have gathered, the lady on call rudely told me there was nothing else for WU to do, and the case has been closed. 

At this juncture I have waited long enough. My patience is strained and the money can not be lost without a trace! I wrote the last letter to WU in XXXX providing all the details of denials from the bank. I received a response which merely said I will be hearing back within 24 hours. Just like the previous instances, no more information has been given to me to this date. I am attaching the pdf of my last letter to WU, and the response I received from them.
Consumer complaint received 2016-09-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (MI)

PNC bank came to my place of work and recruited us to open checking accounts and savings account and promised us XXXX will be added to my account after XXXX direct deposits this never happened i have a contract they signed and now they are changing their story and now they have a collections company calling me after all their late fees and lies please help thankyou XXXX XXXX
Consumer complaint received 2023-06-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In my XX/XX/2023 credit card statement from Bank of America ( BofA ) for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I noticed there was a balance transfer for {$5900.00} from an XXXX XXXX  with the last XXXX digits of XXXX. There was also a {$170.00} transaction fee for the transfer from BofA. I also noticed another balance transfer of {$1900.00} from a XXXX  XXXX card with the last XXXX digits of XXXX to my same BofA XXXX XXXX XXXX on XX/XX/2023, plus a {$57.00} transaction fee. I immediately contacted the Fraud Department of BofA ( XXXX ) and notified them of these fraudulent charges. The person I spoke with told me that BofA would immediately close this card and re-issue a new card, along with reimbursing my account in the amount of {$8000.00}, which was done. On XX/XX/2023, I received a letter from BofA stating, " Unfortunately, we're unable to approve your recent claim. '' This was due to their research, and the amount of the transactions was being added back to my credit card balance. '' I immediately called the Fraud Department again to have them review this case again, as their explanation of why this dispute was denied made no sense. I spoke with XXXX then, who told me I needed to write a letter to the BOA Claims Resolution Department in XXXX, TX disputing this claim and decision from BofA. My letter would escalate this claim for further review, and I would receive a call or email regarding the resolution. I immediately sent the letter as requested to BofA. No such call or email was received. I contacted the BofA Fraud Department again on XX/XX/XXXX. I spoke with XXXX requesting an update as to the claim review. I was told that the claim was re-opened for review, but no decision has been made. XXXX said that she would expedite the claim, and I should receive a call from BofA within 3-7 business days, depending on their workload. To date, I have not received a call or any other correspondence from Bank of America. On XX/XX/2023, I once again called BofA 's Fraud Department and spoke with XXXX. XXXX apologized for the inconvenience this has caused and would escalate this to a Manager within the departmentstill no correspondence from BofA on the issue. 

The only thing I have received is interest charges averaging over {$250.00} per month. These XXXX transactions are also maxing out my credit limit at 100 % on this card. This is beginning to affect my credit scores due to the credit utilization on this card. I have reviewed my credit reports, and they do not show me owning an XXXX Credit Card or a XXXX XXXX XXXX account ending in XXXX.
Consumer complaint received 2023-06-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-09
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: EQUIFAX, INC. (CO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested.
Consumer complaint received 2023-06-27
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (OR)

I moved out of XXXX apartments in XXXX in XXXX of XXXX the property manager sent me an email asking for {$310.00} pro rated move out cost. I submitted payment the very next day. After a month or so I had to email her to ask for any other move out cost including what is the balance that I would get back from my deposit. Then she claimed that she mailed me that information to the same apartment that I moved out from hoping that I had a forwarded mail under USPS. when I signed my move out document, I said I didnt know where I was going to live to please email me any important document. I had to contact a regional manager of hers to claim that she never sent me these documents and on top of that that I would be owing {$1000.00} because of apartment damages when I claimed that I never received notice. She forwarded an email to the regional office that was falsified by adding information that she did not add in the email she sent to me, after many communications back-and-forth with the property management company, they decided to drop any charges because I was able to prove that the damages that were claim were from another unit that I never lived in based on the pictures they added as evidence the pictures did not match my floor plan on top of that I paid and {$970.00} deposit that should cover my damages. They claim that I never paid a deposit although I have the letter requesting a deposit and the two money order that I paid to be able to move. After a year, they send me to collections for a different amount than the one they sent me and I received a year before claiming that I did not pay my prorated rent for the last month, which I also have a receipt I tried to reason with the apartment building up with national credit collection systems, but they denied to receive any evidence claiming that regardless of any evidence I need to pay full amount and before I do this, I wont be able to move Anywhere which is true I was denied a residential application. I have evidence of the payment submitted for the prorate it last month I have evidence of paying my move-in deposit. I have evidence of the wrong amount that they submit it to the credit bureaus comparing the request that they sent to me first to stay amount they reported. And I have evidence of falls, attorney fees that she tried to charge me. I added evidence of the XXXX  XXXX disposition showing a different amount and evidence of me providing a good address for important documents but and claim they sent collection documents to a wrong address. When asked for that evidence they denied it. There is a screenshot of the collection.
Consumer complaint received 2023-06-09
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: Experian Information Solutions Inc. (FL)

I have an account listed under XXXX, XXXX XXXX XXXX in which I have not been notified of any monies due. The provider has neither sent me a bill nor connected with me for collection. As a part of the fair reporting act the debt collector should be responsible to contact the consumer but the research neither shows this had occurred and dispute being upheld. Further I have never lived in northern california and stop residing in california in 2014, and claim is showing as recent. The dispute process through experian should be similiar to if the consumer drafts a dispute but they do not seem to even look into the case and people are heavily impacted. especially on fraudulent medical bills.
Consumer complaint received 2016-06-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fortren Funding LLC (NJ)

I refinanced i year ago and the lender failed to pay a quarter tax bill and submitted my last payment late causing my taxes to be delinquent and ruined my credit. after saying that they would resolve the issue and did n't ... I am now losing my second home and my new vehicle.
Consumer complaint received 2016-08-17
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (NY)

Cavalry Portfolio " purchased '' a debt from XXXX, a debt that I did not owe. They have been claiming a {$570.00} balance for 5 years and have a false negative mark on my credit reports. XXXX will not list this as it is fraudulent, however, it still appears on XXXX and XXXX. I dispute and they keep claiming that nothing is wrong. They need to be off my credit report!!
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (IL)

Chase Bank, who arbitrarily and capriciously closed my checking ( 2 ) and credit card account effective XX/XX/XXXX, due to retaliation for complaining of discrimination when the VP of the XXXX, Illinois branch treated and proceeded to call the police on me instead of directing me to file a complaint with Chase Executive Offices regard XXXX XXXX, whom discriminated against me in their store, who agreed to waive all fees and deposits associated with a tiller rental, but then decided to bill my checking account for {$50.00} and {$150.00}, in which only {$150.00} was returned in a timely manner. The VP XXXX XXXX. She lied yo the police and accused me of using 'racial slurs ' when that was not turn, and the officer refused to review the security footage which shows me leaving the bank. XXXX did not put me on a no-tresspass list at the time ; however, after filing a complaint against her with Chase Executuve office , I was informed on XX/XX/XXXX after discovering my credit card account was closed and I was unable to get funds from my account at the bank, that they were closing all of my account XX/XX/XXXX, though the took steps to restrict access to my account and close two of the three of my accounts prior to that date. This is summarized in a previous complaint : XXXX. 

However, since the first complaint, XXXX discovered that Chase not only had been illegally monitoring my account, but comprised my personal information when they alerted me in XX/XX/XXXX that my information had been released on the dark web, in an attempt to further harass me and cause me distress, as Chase had no business monitoring any of my accounts if we no longer have a banking relationship and most likely released this information themselves due to further retaliation, since they never provided me an opportunity to enter into a repayment plan for my credit card account, which stayed open until they charged it off on XX/XX/XXXX, and they reported my late to the credit bureau for six months. They kept assessing late fees which made it hard to pay my bill, and would not allow me to enter into a repayment plan. XXXX had never been late on her credit card payment in the nine years she has had her credit card with Chase, and has damaged credit as a result of their bad faith, and mailcious retaliation for complaining about discrimination ( 'banking while XXXX ' ), at their branch by their VP XXXX XXXX .
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NY)

I deposited a check online on XX/XX/XXXX. Received an email saying it will be available in XXXX business days, which would be XX/XX/XXXX. A few hours later i receive another email saying my XXXX  and external transfer profiles were suspended. I have never used XXXX or transferred anything. Then received another email stating account was suspended for suspicious activity which until now, they have not told me what the activity is. I called the same day and was told to call back the following day. I called again XX/XX/XXXX and was told that they are waiting for check to clear. A few days later, i call again and was told to wait for XXXX business days and account will automatically be unlocked. I call after XXXX business days because that did not happen at all. Was told very rudely that they have to confirm from agency check was issued from. I asked if I can send in the proof of the paperwork sent by the government agency to be able to be able to receive my check. Person rudely cut me off and told me no and to just wait. It has been past XXXX business days and it is a government check that can easily be verified. I keep getting told different excuses and that is not ok. It is XX/XX/XXXX and i still cant access my account online or have access to my funds that is already in the account.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Money taken from my account multiple cards on my account that were not authorized by me I open reopened my transactions up for 2 years and they still just keep telling me the same thing for 2 years pending pending pending and they gave me money back on to my account for no reason then give me no reason why but won't look at my claims or honor my claims I reached out to them many times I sent them documentation they still continue to not want to extend the hand back and the lawsuit that they were just in that sounds a lot of familiar with mine they just gave me back XXXX in {$1.00} Bank of America Miss interpreting fees and they took out of my account and they didn't start giving me anything back until I opened up my claim again but they don't want to look at my claim and they want to honor my claim and they've been taking money from me from day one I don't know but somebody there's leaking information or giving people 's information away because I don't know where these cars came from and they will use on my account and towards my name and my account and I needed that money when I have had any independent I'm a single mom I have XXXX XXXX they don't care about any of that and I filed so many hardships and complaints it's not even funny well over a XXXX still no outcome or no nothing I don't think making America should be getting away with taking people 's money because they're still doing it they've been doing that to me and then putting mysterious money on there and not telling you reason why and all of them just keep telling me misleading information and I feel like I need an attorney this is not right what they do to hardworking people holding their money keep they never let you get the money when you have anything you always put a hold on you then they take out all these extra fees for what and they don't stop the bad people that are compromise your account