davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NJ)

My account with Barclays, XXXX XXXX XXXX XXXX was closed. I made a long term payment plan at $ XXXX  monthly till it was paid off. I had been paying that for over a year when I went to make my payment in XX/XX/2023 they said my account was transferred to XXXX XXXX and could not take my payment. I called XXXX XXXX and they had no record of me so I called back Barclays and they said it takes time. In XXXX I got notification that my account was delinquent from Barclays and after calls on XX/XX/XXXX and XX/XX/XXXX they said they could take a payment for the card while it was still transitioning to XXXX XXXX to bring my account current. I was taken out of the long term payment program for missed payments when I was able to make those payments and they were reported as missed through no fault of my own. I contacted a lawyer who wrote a letter that I be reinstated into the payment program and have heard nothing. At this point in time I have made countless phone calls to Barclays and have not found one person who understands what has happened and there has been no effort to resolve this. I have confirmed with XXXX XXXX that they do not have my account and Barclays continues to send me emails as to payment reminders, sometimes Im able to make the payment easy albeit now a high interest charge and sometimes I still have to deal with Barclays saying they cant accept my payment. I am denied online access because my account is closed, however I have a balance that I am paying off. The email for payment just has the date and minimum payment due. This has been a frustrating situation that has affected my credit score and they should be able to see that my account was not transferred and allowed to make payments easily.
Consumer complaint received 2023-09-05
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NC)

I own an American Express Blue cash preferred card. 

I enrolled into an offer which states that - " Get a one-time {$60.00} statement credit by using your enrolled eligible Card to spend a minimum of {$300.00} USD in one or more purchases on room rate and room charges at participating XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ... '' I booked through the website as it was mentioned in the offer - XXXX 
The property is also NOT in the excluded list. 

But, even then Amex is denying to process the {$60.00} credit. 

My claim is here that Amex lure customer with these fraudulent offers and then do not honor them. I have reached out to them several times through online chat service as well as phones calls, but their representative keeps denying the claim with no substantial reasons or false claims. 

I have all the written confirmation email for the booking at at one of the properties of XXXX XXXX  at XXXX, North Carolina between XX/XX/2023 - XX/XX/2023
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I tried to make a payment to my secured card XXXX multiple times and suffered only error messages and was forced to submit payment that would post just after payment due date. 
I was subsequently charged a {$29.00} late fee that I do not deserve to suffer simply for trying to pay my bill and for paying my bill!
Consumer complaint received 2024-10-12
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: SYNCHRONY FINANCIAL (NJ)

I just find few hard inquiries on my credit report which is not authorized by me. Name of the companies are XXXX ) XXXXXXXX XXXX, XXXX ) SYNCB/AMAZON, XXXX ) XXXX
Consumer complaint received 2023-09-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: OneMain Finance Corporation (AL)

My complaint is against one main financial, I was going to be late with my monthly payment in which my XXXX XXXX which has XXXX miles on it was used as collateral. I was basically forced into a refinance, my 2 refinance and I asked if it would add to my balance and it did. My refinance was done several years ago and making monthly payments and balance remains at {$12000.00}. I filled a complaint on line received a call from one main that went no where, high interest rate. The refinance only lowred my monthly payment that was it. Also the add on, roadside assistance, insurance in case I cant make payment was added on as well. My question is, are there interest they are charging in line with Alabama law? I dont have exact dates of latest refinance but it was around XXXX XXXX near covid outbreak. If there is a class action against I truly believe I should be included. I want online and saw numerous complaints about one main.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-09-21
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. (FL)

I believe that these accounts were associated with a different person with the same name and address as mine and merged the file. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
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. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law
Consumer complaint received 2024-10-11
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: AMERICAN EXPRESS COMPANY (NJ)

I am writing to file a formal complaint and follow-up regarding American Express XXXX failure to comply with my opt-out request. Despite notifying American Express to opt out of their marketing and data-sharing practices, I continue to receive communications and see indications that my personal information is still being shared with third parties. This constitutes a violation of several federal and state laws. Under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions are required to respect consumers ' privacy preferences, including the right to opt out of certain information-sharing practices. American Express has failed to comply with this obligation. As a resident of New Jersey, I am also protected under the state 's privacy laws, which require organizations to respect consumers ' privacy rights, further compounding this violation. Additionally, 15 USC 1681a ( q ) ( 3 ) outlines permissible purposes for sharing consumer report information. By continuing to share my information without my consent, American Express is violating this provision. Furthermore, they are showing non-compliance with the Truth in Lending Act ( TILA ) by failing to accurately disclose how my personal information is used and continuing to send me unsolicited communications that contradict TILA 's disclosure requirements. Given these violations, I request immediate action to ensure that American Express ceases all unsolicited communications, honors my opt-out request by stopping the sharing of my personal information, and complies fully with the relevant laws.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (LA)

The only credit bureau I am having a problem with is Equifax The other bureaus initiated the freeze Ihave been trying for 2weeks to get a freeze They sent me a link to click on I sent a picture of front and back of my state ID and a selfish as requested confirmed my social security no. My previous address my present address my email address my phone number and tried to answer as many other questions as I could they were not satisfied with who I said I was even after sending me a link which I immediately clicked on which they verified receiving no freeze possible
Consumer complaint received 2024-10-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

My cellphone was stolen in New York early in the morning on XX/XX/year>. I flew home to XXXX XXXX a few hours later. When I got back to my computer I saw that my accounts had been overdrawn and my credit cards had been maxed out. I was able to get my credit card charges refunded by XXXX XXXX and XXXX. However, I went in person to wells fargo to let them know that someone had fraudulently moved money around in my various Wells Fargo accounts and then consolidated it into my personal checking. They then sent an unauthorized wire transfer for {$20000.00} from my account to someone else. I've been a customer with Wells Fargo for over 15 years I've never reported an issue like this or had any problems previously. They told me that the confirmed the activity was fraudulent but they would not be crediting my account back the money. They also told me they sent me a letter on XX/XX/XXXX telling me they were closing the case and would not be refunding me. This is completely inaccurate as I never receive any letter or communication from them in this regard. They also emailed me on XX/XX/XXXX requesting more information about the case. I was able to speak with someone from wells fargo on the phone on XX/XX/XXXX. This person had more questions to ask me and I provided them with all the information they requested. So it would appear impossible to me that they were still investigation the case as I was told in a recorded conversation on XX/XX/XXXX if they had already closed the case.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (VA)

I initiated a transfer from my Ally savings account to a connected external checking account via a XXXX day ach push. The transfer was approved, and the funds were withdrawn from my account on XX/XX/2024. Shortly after the funds were debited ally froze the funds and suspended the external account. 

After calling ally support the rep told me there was nothing they could do and to call back later ( at XXXX ) and ask to talk to the " back office ''. I did as instructed and was told I could not talk to the back office. I was told that the funds would be returned to my account. I was not told a reason for the suspension initially. After pushing the rep for a reason on my XXXX or XXXX call I was only told that the transfer was generically " suspicious ''. 
It is worth noting that I do the EXACT same transfer from the same XXXX accounts every month at the same time of the month and have never had an issue, suffice to say there is nothing suspicious about this transfer then. I asked to talk to someone that could unblock the transfer but was refused. 

The rep likewise seemed confused as to why my account had been suspended asking questions like " so you have a stop payment order for this account, right ''? " No '', I replied. 

After being told that the funds would not be debited from my account I noticed that the funds in fact were debited from my account. I can not afford to have XXXX dollars frozen so I called to ask for clarification and was told that the funds could be frozen at least until XX/XX/XXXX ( over XXXX week ). This comes days after ally frozen well over XXXX dollars because a {$100.00} ach deposit did not process in time! I was also given the same rigamarole about calling back later to talk to the back office and then not being able to talk to the back office. Ally said they would take up to XXXX business days to unfreeze my funds when they froze over XXXX. Again no reason was given other then a generic " security purposes ''.
Consumer complaint received 2023-05-08
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: Dynamic Recovery Solutions, LLC (OH)

I Have Never Signed a HIPAA Release Form For This Company Dynamic Recovery solutions HIPAA Laws Protect My Personal Information From Being Used without My Consent and I am aware of these Practices your Doing Clearly HIPAA Violations
Consumer complaint received 2024-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLIANT CREDIT UNION (TN)

For XXXX months in a row, Alliant Credit Union in XXXX has taken XXXX payments instead of the XXXX payment I authorized as appropriate for my responsibility for paying on my recreational vehicle loan. In XXXX Alliant fixed the problem immediately. In XXXX they took XXXX {$400.00} payments instead of the XXXX {$400.00} payment authorized, and they refuse to reimburse the {$400.00} they took illegally. I have received numerous written responses from their customer service people and so far XXXX phone calls with all kinds of excuses and promises about how my money will be returned to me, all of the dates promised past. This is a very dishonest disreputable company. I suspect senior adult discrimination.
Consumer complaint received 2024-10-02
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I had a hotel booking and I used capital one spark credit card. I have not recd the money yet. I have a proof from the merchant that they refunded it on XXXX XXXX Need to get the refunded money asap I failed to get any responsible person from capital one. Calls are getting disconnected all the time
Consumer complaint received 2023-09-21
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I'm a customer of XXXX on XXXX XXXX  I filed two individual claims one for the amount of XXXX and another for XXXX in which was supposed to be deposited into my account on XX/XX/XXXX too XXXX XXXX XXXX  which during this process of these claims BofA of claim department decided to credit me XXXX then in a 5 minute expanded turned around and did a adjustment debit and proceeded to take those funds back from my account and turned around and accused me of receiving those funds. As the investigation into my claims continue to see time pass bye and into XXXX. I continue to contact BofA and the claim department till XXXX XXXX and hack a reconsideration put back in on these claims and while waiting on this matter to be resolved I also sent in supporting documents to the investigation team of BofA and still no resultion but during this wait the claim department took it upon themselves to add two different claims amount one for {$1000.00} and another for {$500.00} that I did not submit or authorize as well as not being aware that those two claims whete add in doing they decided to credit me those claim amounts to my account but want resolve the two claim that i submittin XX/XX/XXXX to be resolved and the funds credit back to my account this has been s lengthy over two and a half years with them trying to resolvef this claims and to no effort all i get is it still under investigation with no answer to why all this and its time frame
Consumer complaint received 2024-09-28
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Inquires on my credit report I do not recognize! 
Capital one inquire date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BMO Bank, N.A. (CA)

I am XXXX XXXX, and I am submitting this complaint regarding BMO BANK NAs conduct through this portal. I began an arbitration process with XXXX. However, despite multiple notifications from both XXXX  and myself, BMO BANK NA has failed to provide a formal response. Their lack of communication suggests an attempt to avoid their obligations in this matter. Attached is a copy of the latest notice sent by XXXX  to BMO BANK requesting payment of their fee. 

This situation has been quite stressful, as I have been attempting to resolve it for several months without any formal acknowledgment from the company concerning the arbitration. I respectfully ask that appropriate action be taken to address this matter as soon as possible
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX ID : XXXX DOB : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX I am writing this letter to request an investigation of the following information that appears in my XXXX XXXX XXXX  consumer report. I have identified several inaccuracies that need your immediate attention and resolution. 


Bank : XXXX XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX  XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX XXXX XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I want to clarify that I have no association with these accounts and did not provide any personal information to open them. It appears that these accounts have been opened fraudulently, without my consent. I kindly request that you investigate this matter and remove these accounts from my report. Enclosed are copies of my identification and any other supporting documents that may assist in your investigation. I would appreciate your prompt attention to this matter, as it is crucial for my financial well-being. 

Thank you for your assistance. I look forward to your timely response. 



Sincerely, XXXX XXXX