davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-28
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: SYNCHRONY FINANCIAL (IL)

I recieved a letter on XXXX XXXX of an address change on a closed account on my Walmart mastercard. I never authorized an address change this is not a " account take over '' it is identity theft. I have always lived in Illinois not Kansas. This account should be closed due to fraud transactions on the account and identity theft. The customer service team should never have issued an address change without my knowledge. I paid on the account what I owe and I want all fees and interest and the account a XXXX balance due to the customer service departments incompetence and breach of my account information.You have no security about protecting someone 's account. I will notify all federal agencies of consumer fraud and not updating any fraud on my account. This never should have happened at all again I never requested a address change, it is theft and this Synchrony XXXX has allowed it to happen and nothing done about it. The entire account is fraud now and the bank is responsible and needs to fix my credit report immediately.
Consumer complaint received 2017-10-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (FL)

DISPUTE PROCESS # 1 XXXX XXXX XXXX Opened XX/XX/XXXX Amount : {$900.00} Original creditor : 01 XXXX XXXX Overview : You 've paid off 0 % of your collection amount. 
Balance : {$900.00} Highest Balance : {$900.00} Opened : XX/XX/XXXX ( 1 yr, 5 mos ) Account status : Open Type : -- Responsibility : Individual Remarks : Account information disputed by consumer, meets FCRA requirements DIRECT DISPUTE If there 's an error on your report, you can submit a dispute without leaving Credit Karma. 

Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX DISPUTE PROCESS # 2 : The information below is also part of another dispute process through XXXX XXXX that XXXX refuses to remove negative information from my credit reports. 

XXXX : XXXX Debt Collector XXXX Creditor Balance Disputed XXXX XXXX XXXX XXXX XXXX XXXX {$900.00} XX/XX/XXXX XXXX XXXX
Consumer complaint received 2017-07-24
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: ID Analytics, Inc. (UT)

XXXX XXXX failed to disclose that by applying for a line of credit with them they can pull other credit reporting agencies without disclosing a list of possible credit reporting agencies they will use. The CFPB has over 100 or more documented credit reporting agencies for 2017. As a consumer I was only aware of XXXX XXXX pulling one of the three major credit reporting agencies to obtain a line of credit with them. However, they failed to disclose that they can access any of the 100s of Credit Reporting agencies available to them without disclosing this information to me as a consumer. I requested that they use my XXXX hard pull or remove it but they instead sent me a letter stating they tried to also pull my Sagestream report which I have frozen with a security pin due to identity theft that recently happened to me. I requested they could access my Sagestream with my security pin or remove the XXXX Hard pull due to failing to provide that they can pull any of the 100 available credit reporting agencies that are listed from the CFPB. Which to me is dishonest and doing business in bad faith. Why? Because a consumer is not aware of the fact that multiple inquires from up to 100 credit reporting agencies is accessible to XXXX XXXX to make a decision simply for a store card seems to be illegal in my opinion. How can XXXX XXXX do this? Run multiple inquires, fail to list the credit reporting agencies they use since there are 100s of Credit reporting agencies based upon the CFPB lastest updates? How is this legal!
Consumer complaint received 2017-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

XXXX XXXX, MD XXXX ( XXXX ) XXXX this people made a hard inquiry on my credit and I do n't know them 0n XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX on XX/XX/XXXX did the same and I do n't know them either.I just knew this through XXXX XXXX
Consumer complaint received 2017-10-28
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: Experian Information Solutions Inc. (VA)

There are XXXX account that are listed on my credit reports that are mines. I 've tried to have them remove from my credit repot several times no such luck. I contacted each company fraud department they stated that the send over the fraud information to each credit bureau. This has been going for a while. The company has stated the account are close for nonpayment to the XXXX accounts. 


Verily respectfully
Consumer complaint received 2017-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

In XX/XX/XXXX ( I believe XX/XX/XXXX ) while paying my balance over the phone on my American Express card I was solicited for the American Express Premier Rewards card. I was told at the time that after meeting certain criteria I would get XXXX points worth, among other possibilities, a {$250.00} credit on my credit card account. I signed up. I later received the XX/XX/XXXX Membership Rewards Program Terms and Conditions. Nothing in the terms and conditions contradicted what I was originally told concerning the {$250.00} credit. After meeting the criteria and several calls to American Express, I was awarded the XXXX points. When I tried to apply the points to a credit I was told the credit would only be {$140.00}. That the ratio was XXXX points/dollar. I explained that the ratio of XXXX points/dollar was not what I was originally told and an investigation was opened, # XXXX. At the conclusion of the investigation I was basically told that the conversion rate was XXXX points/dollar. I explained again what I was originally told to no avail. I asked if they had pulled the recording from when I was first solicited the credit card and they said they had n't. I asked if I could get a copy of the recording and they said I have to get a subpoena. 
After signing up with American Express under a certain verbal contract, they then did not honor that contract. When I asked for an investigation, they did little. I would like American Express to honor what I was told when they were originally selling me their card and apply any credits to my account at the ration of XXXX points/dollar. This would include not only the initial XXXX points but also any additional points earned while using the card. The ration of XXXX points/dollar should apply to points earned through purchases because when I made purchases, part of my decision of which of my credit cards to use was based on the ration I was originally told by American Express. Had I known the ration was XXXX points/dollar I would not have used their card. Infact, I have stopped using it.
Consumer complaint received 2017-07-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo is set to close my long-standing joint checking account on X/XX/17 with a letter sent in early XXXX that unfortunately, tells me nothing as to why. Contacted customer service three times, everyone refuses to tell me anything regardless of how high up the ladder I go. On XXXX it was prematurely closed with ~ {$5000.00} inside, luckily I was able to get in touch with executive relations to pull out the money. When I went to a branch to discuss this with a banker, I was told by WF 's own banker that I should sue in court to get answers. Extraordinarily unprofessional, and I want it reopened and/or an explanation ( one that is n't a canned response ) as to why it was closed. Primary checking account # ended in XXXX.
Consumer complaint received 2017-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (GA)

Hello, These transactions are all unauthorized : XXXX XXXX 2017 XXXX E-PAYMENT - {$300.00} XXXX XXXX, 2017 XXXX E-PAYMENT - {$49.00} XXXX XXXX, 2017 XXXX E-PAYMENT - {$170.00} XXXX XXXX, 2017 XXXX E-PAYMENT - {$1500.00} XXXX XXXX, 2017 XXXX E-PAYMENT - {$2000.00} XXXX XXXX, 2017 XXXX E-PAYMENT - {$580.00} XXXX XXXX, 2017 XXXX E-PAYMENT - {$290.00} XXXX XXXX, 2017 XXXX E-PAYMENT - {$1400.00} " Provisional credits will not be issued for the transactions dated XX/XX/2017 through XX/XX/2017, as the recurring transactions were n't reported timely, within 60 calendar days '' I promise these are n't authorized transactions. I 've never done any business with the debitors. I 'd notice if thousands of dollars of stuff showed up.
Consumer complaint received 2017-10-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (MI)

Charged high interest even thought it was not discussed in my loan agreement. Would not verify my bank account for XXXX payments and tried to make an illegal XXXX way call with my bank to verify. Told me to act like they werent on the line while they did it.
Consumer complaint received 2017-10-25
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

I tried to make a payment on my account via phone through a third party that the lease company told me to utilize. The company was not open and their automated system kept kicking me out. I then tried to make the payment on the internet with negative results. I tried to contact Infiniti to rectify the problem but there was no one at their office to receive my phone call. Their negligence caused my credit to have a 30 day marker which should be corrected.
I have phone records to show my attempts to pay prior to day 30.
Consumer complaint received 2017-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have business account XXXX XXXX XXXX XXXX # XXXX XXXX with Capital One of which I gave to my clients for deposit or transfer when needed. Around XXXX XXXX XXXX my account was frozen. Upon contacting the bank representative, I was told that it appeared that fraudulent transfers were made into my account totaling XXXX. I was further informed that investigation revealed that these transfers may have been part of a so called 'XXXX XXXX ' In this case, I myself had been defrauded through the use of my company 's services. 
In any event, I have retained counsel and all efforts to pursue the recovery of the funds I have paid to client in relative to this matter. Thus I had respectfully requested verification and documentation from Capital One that the funds in question, transferred into my account from fraudulent activity was seized for those reasons. 
I have repeatedly asked for a proof that these deposits were reversed and the funds returned to the issuing bank or otherwise not released to my account. a letter of this nature will help me to recover my money from my client and also to make me become whole as a result of the fraudulent activity imposed upon my account.
Consumer complaint received 2017-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In XXXX XXXX, a property garnishment was granted by the plaintiff and Bank of America froze my accounts. ( 2 checking and 2 savings accounts ). 

On XXXX XXXX, the plaintiff dismissed the garnishment, and the court signed off on the dismissal on XX/XX/XXXX. I went to the bank with the copy showing that the dismissal had been granted on XXXX XXXX, and the letter was FAXED to their financial department by one of the bank business reps. ( I have copy of FAX, cover sheet and confirmation sheet ) I have been calling Bank of America everyday, and stopping into the branch every day, but they tell me there is nothing they can do. When I requested a phone number of who to call they tell me they do not have a number they can give me. Even my lawyer has tried to get hold of someone. 
My accounts are still frozen today.
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CT)

In response to the Equifax data breach, in XXXX XXXX I accessed the Equifax web site using the link on the US Government FTC web site ( www.equifaxsecurity2017.com ). I completed the form and submitted it to Equifax. The message I got back from Equifax was that they Believe my personal information has been impacted. 
I then signed up for their Trusted ID XXXX XXXX XXXX XXXX. I was told that I would receive an e-mail to confirm and complete my credit monitoring sign up, and to look for this e-mail, including in my junk or spam folders. 
Over a month has passed since I signed up and I have heard nothing back from Equifax or Trusted ID. No e-mail in any mailbox. I just wanted to let you know that this is how Equifax is treating individuals who they say have been impacted and signed up. 
Have you gotten other complaints about this and if so, do you have any feedback on how to proceed to get the free credit monitoring from Trusted ID in place?
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There was a hard inquiry on my credit history from XXXX on the date of XXXX XXXX, XXXX. XXXX XXXX I spoke with a representative XXXX around the time of XXXX, she then switched me over to XXXX XXXX XXXX. I explained to XXXX that I wanted to dispute a hard inquiry from this company off of my credit. He said alright but he would need the Credit Bureau to send XXXX a letter confirming that they would like to have this inquiry removed because they were n't able to send out letters. I then called the Credit Bureau XXXX TransUnion XXXX and the representative was very rude about helping me. He said there is nothing he can do about the situation, he needs XXXX to submit a request asking for this inquiry to be removed. I consistently tried to explain to him what the representative told me. I then asked him what should I do if they said they can not send out letters. I was then told that " I do n't know what to tell you that is your only option ''. I was not impressed and vary dissatisfied with the representative of the credit bureau.
Consumer complaint received 2017-10-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (VA)

I have tried to make the payments on line but, I am behind on my payments and they will only let me fill out a form for hardship. If I call then there will be a fee for calling in to make the payment.I have not filed bankruptcy and would like to keep up on things when i fall behind
Consumer complaint received 2017-10-26
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. (GA)

I 've tried to get this account remove from my credit report on numerous occasions. I do not owe XXXX XXXX XXXX any money and this account need to be remove from my credit file. I have asked this credit reporting company to investigate this account and have it removed because they are allowing XXXX XXXX XXXX report inaccurate information. XXXX XXXX XXXX is trying to make money off of me for no reason and I owe them nothing they are a debt buying company and I 've asked for proof showing I owe this debt and also a debt validation/debt verification and also a copy of a lease showing I owe {$780.00} in which I owe {$0.00}. Please have this company remove this account from my credit file asap. This XXXX XXXX XXXX account is listed as a collection account with Experian please remove from my credit file.
Consumer complaint received 2017-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (PA)

There is this debt collection agency, who has harassed me for 5 years now for a debt I really no nothing about, but to make a long story short, they too money out of ( 2 ) of my bank accounts twice, the total for this credit card ( suppose to be for {$XXXX} they have too over {$3000.00} dollars from my banks for this so called one debt, I cant open a bank account with out them sending a writ of execution paper to me and my bank over an over again, there are stealing my funds from my savings and checking accounts this is not fair, I tried talking to them, and all they say to me is they will continue to take funds out of my accounts, even tho I did not know of this, account, they have over an over took enough of my XXXX to cover that amount several times, I want action, I want this to stop, also I am under Doctor 's care, for a XXXX Transplant I do n't need the stress, if I can I would like to sue them for thief, unjustified amounts, harassment, deception, Thank you in advance
Consumer complaint received 2017-10-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC (CA)

We are a finance company and a customer wanted us to pay off his loan to XXXX XXXX title loan ), which we did. The customer sent us a letter from XXXX dated XXXX/XXXX/XXXX, stating that the payoff amount for the loan was {$960.00}, if received no later than XXXX/XXXX/XXXX. We sent the payoff check to XXXX on XXXX/XXXX/XXXX and check was cashed XXXX/XXXX/XXXX. 
As of today, XXXX XXXX, XXXX, we have not received the title for this loan.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should now be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2017-10-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a checking account with Bank of America, and also a Bank of America credit card. My only income is my Social Security, which is a direct deposit into my checking account. Bank of America Credit Card illegally confiscated funds from my Social Security income that is being directly deposited into my bank account to apply against my credit card balance. In so doing, it also caused my checking account balance to become overdrawn, which resulted in a number of bank charges against my account as well. Following is a summary : XX/XX/XXXX {$75.00} illegal charge. 
XX/XX/XXXX {$35.00} bank charge-overdraft fee. 
XX/XX/XXXX {$35.00} bank charge-overdraft fee. 
XX/XX/XXXX {$75.00} illegal charge. 
XX/XX/XXXX {$35.00} bank charge-overdraft fee. 
XX/XX/XXXX{$35.00} bank charge-overdraft fee. 
XX/XX/XXXX {$35.00} bank charge-returned check fee. 
XX/XX/XXXX {$12.00} monthly maintenance fee. 

A letter was sent on XX/XX/XXXX to the Bank Manager of the Branch where my account is located, requesting that these illegal charges and fees be reversed, which would result in a balance of {$150.00} in my account. I requested a check to be sent to me in that amount, and to then close my account. I have not had a response from them to date.
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (GA)

I requested to have this secured credit card account closed back in XXXX of XXXX. According to U.S Bank XXXX this account would be close and their would n't be a balance left on the account because it was a secured card and you can not charge no more than what you have available on the card. My credit card limit was {$300.00} and I could n't charge no more than {$300.00} on this card. After closing the card and them crediting my account {$300.00} it left me with a {$0.00} balance and all of sudden a month later they let a charge go through for {$200.00} and something dollars, and the charge was not related to me at all and I told them it was not my charge it was fraudulently and they reinsured me it would be fixed and I left it alone trusting them to take care of the charge that was not mine. Months and months goes by never heard back from them so I 'm assuming everything was okay only to find that this company reported to the credit bureaus I owed them {$290.00} which is not fair and very untrue.