davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NC)

I opened an Ally checking and savings account on XX/XX/2024. I set up my online banking and I funded my account by deposit a check in my savings and a check also I deposited a check in my checking account on XXXX the XXXX. I got a notification that my check would be placed on hold until XXXX business days which is today XX/XX/XXXX. Later on the day of XX/XX/XXXX I received an email saying my phone banking pin had been changed and I also got a message saying that my checking and savings will be restricted because they detected unusual activity it also said to call to verify some information. So I called about XXXX different times and got XXXX different answers from each representative XXXX of them said my account is under investigation and I am assigned to a investigater and that they will call if they had questions I also verified all of my information when I called and gave them my security word also but my investigator was very rude and was also discriminating me because I have a deeper manly voice. He hung up and told me not to call back and there is nothing that can be done. But mind you the first person I talked to said the restrictions will lift after the checks clear all the way which is Monday XX/XX/XXXX which is today I would not advise anyone to bank with ally bank they will try to steal your money. I also included proof and verification with this submission and proof that the check belongs to me with my documents supporting the check so I REALLY NEED MY RESTRICTIONS LIFTED
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I filed previous CFPB complaint XXXX. That complaint was closed with NO REAL REPLY FROM BOFA and certainly not within an acceptable time frame. 
Instead, I received correspondence directly from them indicating they were having trouble finding my account file. 
Then, purportedly after they finally found the account file, they replied directly indicating they had fixed the problem. 
THAT WAS AND REMAINS A LIE! Not only did they NOT FIX the problem, they insured that incorrect address was propagated with EVERY OTHER CREDIT BUREAU in the business. 
The real reason they could not find my account file is because they have resurrected an old illegal scheme they got caught in which turned XXXX a HUGE CLASS ACTION suit against them which they lost! That suit against them was regarding account sequencing which they have also done to my account. When they do account secquencing not only are normal account filing practices NOT followed but since they can not find the account, they insure NO REGULATOR CAN! This way if they ever prevail in collecting the account they do not report that additional income. 
CFPB NEEDS TO THOROUGHLY INVESTIGATE THIS ADDITIONAL CLAIM AS WELL AS FORCE THEM TO REMOVE THE KNOWN IMPROPER ADDRESS THEY HAVE INSERTED INTO MY ACCOUNT WITH ALL KNOWN CREDIT BUREAUS! 
This constitutes an ongoing form of illegal harrassment. I continually receive phone calls from people wanting to purchase the property in XXXX, OK that I DO NOT OWN AND NEVER HAVE!
Consumer complaint received 2024-02-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (FL)

I purchased a XXXX dishwasher at XXXX  onXX/XX/XXXX in the amount of {$640.00}. I accepted an offer to finance this purchase from affirm.com. The loan terms were six payments of {$100.00} starting XX/XX/ for six months. Loan #XX/XX/XXXX. I returned the dishwasher to XXXX on XX/XX/XXXX Return # XXXX. OnXX/XX/XXXX advised affirm.com that the purchase was returned and the transaction was cancelled. Affirm.com continues to charge me {$100.00} for payments on the loan. I have contacted affirm.com repeatedly ( XXXX ) to advise them this transaction has been cancelled and that I should not be charged loan payments. Affirm.com has been consistently uncooperative in resolving this matter.
Consumer complaint received 2024-02-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

on XX/XX/year> I paid XXXX XXXX XXXX XXXX {$1300.00} for my past bank of america credit card. the court date was to be XX/XX/XXXX and they told me i may have to go to court. I called the court and they said that i still had to attend court. XXXX XXXX XXXX  failed to alert the court that i paid the debt. i was there in court waiting for their reps to show up on the XXXX of XXXX, but no one was there representing them. they should have contacted the courts on the XXXX to drop the case. the money that i paid them was from my va XXXX and social security XXXX. paying them money from both sources has caused me a lot of XXXX  due to my XXXX from XXXX XXXX. they also rarely answer their phones. and since they didnt show up for court i want them to refund my money, especially since it's from my XXXX payments. Before a debt collector can take Social Security or VA benefits, they must sue you and win a judgment against you for the amount you owe. Then, the debt collector must get a court order that tells your bank or credit union to turn over money from your account or prepaid card. and they did not get a court order for this. they also never gave me time to do the confession of judgement they wanted me to sign, due to all of my military related health issues.
Consumer complaint received 2024-02-12
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (ID)

I bought four {$50.00} prepaid AmEx gift cards on XXXX XXXX, 2023 from XXXX. I tried using all four cards online and also in person at NUMEROUS places and they will not work ANYWHERE. After calling customer service 18x, a guy told me that he would cancel the four cards and send me four new {$50.00} AmEx prepaid gift cards. After waiting over a week, ONE new {$50.00} AmEx gift card was mailed to me. Not four cards. ONLY ONE. And it will still NOT work ANYWHERE. I have called customer service 27 more times trying to find out where my other three {$50.00} giftcards went and nobody can help me. They all say that they were refunded. No they were NOT refunded!!! And the one {$50.00} giftcard they did send me will still NOT work ANYWHERE!!!! I got online to see if anybody else has had this problem and there are HUNDREDS of people online complaining of the same exact issue. Multiple people were ripped off gift cards when they were supposed to get new ones in the mail and when they only received one, it would still not work anywhere!!!! How is this legal??? My money has now been tied up for almost two months. Customer service is a total joke. Some person from overseas who can barely speak English just repeats the same thing over & over then puts you on hold but nobody ever picks back up. How come there isn't a class action lawsuit against this company yet??? This is unbelievable!!! Every time you try using the card at a new merchant, they deduct XXXXXXXX XXXX from your card. But then your card is declined after they take the XXXXXXXX XXXX.
Consumer complaint received 2024-02-11
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NY)

Discover continues to report to the credit agencies after I sent a written letter to Discover requesting to opt out of credit reporting. Discover has confirmed that they did in fact received the latter sent to them In XXXX but will continue to report to the credit agencies despite my written and several verbal request for them not to. they instructed me to send the letter again to the same place and address. I spoke with supervisor XXXX, and supervisor XXXX who's operator ID is XXXX. 
i was explicitly told by XXXX that i would not receive the opt out form, I would not receive the original terms and conditions. XXXX said instead they would send statements. I was also told I would not receive a copy of the prospectus report because thats not something they send out. this is beyond ridiculous. Discover is ignoring my rights as a consumer and proclaiming adverse actions against me willfully by reporting to XXXX party non affiliates. 
please see attached file for letter sent to discover before printing and signing.
Consumer complaint received 2024-02-09
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (TX)

I took out a {$6000.00} title loan from TITLEMAX on my XXXX to pay for medical tests that my XXXX XXXX indigent coverage will not pay for XXXX XXXX XXXX, which found a XXXX XXXX  that saved my life. I also need that XXXX to go visit my XXXX mother in XXXX XXXX, XXXX miles away. I can provide all those records. 

That XXXX is worth $ XXXX. I hopefully will have the means to repay that loan soon by selling my dad 's old corn farm, but that kind of sale takes forever if you want a fair price. 

TITLEMAX has refused all my polite requests to work out a reasonable repayment at whatever interest rate they want, just no hidden fees or penalties, because I am a fair man. All they ever do is call me, literally screaming curse words at me. I can tape a call. 

I merely ask them to send me a letter in the mail, which they refuse to do. 

The best part is I read up on vehicle title loan law, easy to read, and they TOTALLY broke the law on my application, and I can easily prove that. So, Can CFPB help? Thank you. XXXX. XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc. (DC)

I received an email with the disclosure copied below from my mortgage servicer, BSI Financial Services, on my home in the District of Columbia. 
" If we have not received your insurance renewal prior to the due date, insurance will be obtained on your behalf which may be significantly more expensive and will provide less coverage compared to insurance you could purchase yourself. Please ensure your renewal has been submitted to : https : //imcovered.com/bsi at least 15 days before the due date. '' After speaking with friends who also have mortgages, it seemed strange or out of the ordinary that I needed to proactively report this information to the company. 
I called BSI on XX/XX/24 and asked whether I needed to proactively submit paperwork ( and whether I would need to annually ) to prove I was insured rather than have BSI procure insurance in place of/in addition to my home insurance, but I did not receive a clear answer from the XXXX people to whom I spoke. They directed me to XXXX website to submit information, imcovered.com, but could not provide me with the Unique Identifier needed to check my status. 
I subsequently contacted BSI via its internal email form twice in early XXXX, most recently on XX/XX/24, with this question of whether I needed to proactively submit insurance information, and whether I would need to annually, rather than have them procure home insurance for me. 
I have not received a response. I have not received a response from BSI to previous emails with different questions, either, so I'm coming to CFPB to see if intervention could provoke a response. 
Please let me know if you need additional information, and thank you for your attention to this matter.
Consumer complaint received 2024-02-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY (MA)

I made a payment from my XXXX account to my American Express credit card on XX/XX/XXXX for {$600.00}. Generally, XXXX offers the option to issue the payment as either a Wire Transfer or a Real Time Payment. For some reason, their mobile app automatically routes the transaction through the Real Time Payment network, so my payment was issued as an RTP, which according to XXXX, is settled immediately. On the American Express side, they claim that they can not locate the payment and asked for a document providing confirmation of the settled transaction, which they provided. Now, American Express says that the funds were returned to XXXX on XX/XX/XXXX, but XXXX can not locate the funds on their end, stating the following : " Please provide a tracking number or reference number for the return of the funds. We can not locate the funds without a reference number. Please note, the reference number listed in the letter from American Express is their internal case number, not a number related to the transaction. ''
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (GA)

Yes, I have an account with Chime, and they have denied my dispute like XXXX times, each time they deny it in like a hour or so, thats how I know theyre not doing a thorough nor a real investigation, my card was lost and had numerous of transactions that I did not make for almost XXXX dollars, they are not helpful at all, wont even give the provisional credit Ive been reading about, this is insane, they shouldnt even be allowed to have a banking service.
Consumer complaint received 2024-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

On XX/XX/XXXX Fifth Third Bank NA, contacted me by phone and told me that I had reached the point in my loan to have the PMI dropped from my loan. They told me all I had to do was provide a written statement requesting the removal. I provided that within the hour, and have received two notices from Fifth Third since ( one dated XX/XX/XXXX and the other XX/XX/XXXX ), that state " The owner of your mortgage loan, XXXXXXXX XXXX XXXX XXXX has determined that it can not cancel your PMI at this time using the information it has. '' They aren't going off the original assed value of my home and are telling me I have to pay {$500.00} for a new assed value before they can make that determination. I have gone to the local branch in XXXX XXXX and met with their Mortgage Loan Originator and have continued to be in contact with him since. He has stated that he can see on my account that I am at the point on my mortgage loan that the PMI can be dropped. Fifth Third is refusing to drop the PMI as they are legally responsible and required to do. Instead they are refusing to drop it, taking more of my money and trying to force a {$500.00} new assessment of my home on to me. I had also provided the tax documentation from my county that shows the taxable value of my home to show that the value has increased not decreased. I want my PMI removed from my loan and the reimbursement of the PMI I have paid since XX/XX/XXXX which is the date Fifth Third Bank contacted me first and told me it could be dropped due to where I was at with the XXXX ratio of my home loan.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I directly disputed this loan with the furnisher. I pointed out many discrepancies and I was never contacted to discuss them within the 30days. My biggest issue was the XXXX separate payments classified as cbp that were entered at the end of the month and then a few days after the first of the following months the payments were removed. Thankfully I have had enough accounts payable and receivable experience to notice and my suspicion was confirmed by a coworker of the lead collector. He stated that the lead collector did that as a favor for me. I never would ask this favor. Her favor at the time put me so far behind that my vehicle was repossessed. I have submitted this information to the CRAs and it was removed but has reappeared recently. Does this happen more frequently because nobody seems to think its not an issue? I didnt ask this woman to do me any favors and the damage that she did then and continues to do has made my credit score drop over XXXX points. Am I wrong to think she obviously played with my account for her benefit? What I do know is that I have never heard of this happening and it being ok. I also know that this is fraud on a higher level because it was done by a bank employee and someone we believe to be honest and abide by the rules.
Consumer complaint received 2024-02-09
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: Experian Information Solutions Inc. (MO)

STILL WORKING ON THE ISSUE MEANS ABSOLUTELY NOTHING AS USUAL EXPERIAN IS LYING THEY RESOLVED NOTHING STILL WORKING ON STALLING AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (MD)

I did not receive a credit card bill from Aadvantage aviator Red Mastercard from Barclays for XXXX of XXXXXXXX 
When someone from Barclays called my cell phone from XXXX she identified herself as a customer service representative from AAdvantage and asked me to pay my bill. I put her on speaker phone so I have a witness. She called me on XX/XX/XXXX at XXXXXXXX XXXX. I explained to her that I had not received a bill in the mail for XXXX of XXXX. We spoke at length about my perfect payment record as I pay the entire amount owed every billing cycle in a timely fashion and have never been charged any interest. Barclays representative agreed to send me the bill for XXXX of XXXX. She also agreed to send me a bill for XXXX of XXXX with no interest charges for the missed bill of XXXX of XXXXXXXX She agreed to send me the corrected bills in seven to ten business days. The day after the phone conversation, I received a bill, via the US Postal service, for XX/XX/XXXX XXXX  from Barclays with a previous balance of {$710.00} and interest charges of {$150.00}. To date, XX/XX/XXXX, Barclays has not sent me a bill for XXXX of XXXX so that I can pay it. I have right to know what the {$710.00} is for. Barclays has not performed as agreed. If they sent me a bill in XXXX of XXXX it should be easy for them to duplicate that bill and send it to me as they usually do every month. Also, they have not sent the agreed upon corrected bill for XXXX of XXXXXXXX
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

My wallet was stolen in XX/XX/XXXX, with my SSN and State ID inside. Since then, Capital One has allowed XXXX fraudulent accounts to be opened, one in XXXX and one in XXXX. I have been in communication with XXXX who tells me to contact Capital One, and Capital One tells me something different each time, usually resulting in me not getting any new information or being told they can not do anything else. Most recently, on XX/XX/XXXX, Capital One told me that since the accounts were closed ( but not removed from my credit report ), they can not access any information about the investigation or where the correspondence is being sent. After this phone call, I called XXXX, who told me the address linked to the accounts had been flagged as fraud, but Capital One " verified '' them as my accounts.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I have made multiple attempts to communicate, and make Equifax aw that there are fraudulent and unauthorized inquiries on my consumer report. And they continue to violate my rights by continuing to report this fraudulent and in accurate information on my consumer report. Then recently I seen two additional inquiries pop up on my credit report, which infuriates me because I continue to suffer from Equifaxs deliberate decision to ignore my request. The following inquiries are fraudulent and unauthorized and I want them removed from my consumer report 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  In addition, I filed a identity theft report with the FTC and I am including a copy of that report with this complaint
Consumer complaint received 2024-10-17
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. (FL)

I am writing to inform you that the referenced account was fraudulently opened in my name without my knowledge or authorization. This account appears on my credit report and is negatively affecting my credit. I believe this is a case of identity theft. 

Account Details : Account Name : XXXXXXXX XXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/year> I did not open this account, nor did I authorize anyone else to do so on my behalf. Therefore, I request that you immediately close this account and cease all collection activities related to it. Additionally, I request that you remove any negative information related to this account from my credit report. 

This company - that I have zero knowledge or affiliation with was fraudulently operating with my information. I did not authorize any of this. I do not own a company or operate a company. I have never in my life walked into a XXXXXXXX XXXX nor called nor applied anywhere for a card with XXXX. This is ridiculous. I do not even have personal accounts with XXXX. My credit and EVERY single one of MY accounts are in great standing and have always been. I have beautiful financial history and I have always protected my credit score. I do not know how this even happens and how I am responsible for paying a card I have never had or spent any money on. I do not have a physical card nor could I even tell you the card number. I do not know any of these " employees '' that XXXX is saying I sent payments to. None of the payments made on this credit card where with accounts I own. This account is not my debt and this is incredibly unfair. I have never contacted XXXX to open an account ever in my life. This needs to be thoroughly investigated.