davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CO)

XX/XX/XXXX24 XXXX XXXX  MST - Received a text from Citi Card We need to speak to you about XXXX XXXX XXXX, Please call XXXX XX/XX/XXXX24 XXXX XXXX MST - Called Citi phone number as instructed. Reviewed and identified fraudulent charges on account with Citi agent. Informed them that my card has been in my possession. Citi inactivated the compromised card and instructed me that they would be sending me a replacement. Fraudulent charges were marked for dispute and internal review. 

XX/XX/XXXX24 XXXXXXXX XXXX. MST - After reviewing disputed charges on Citi website for my account, I noticed that all XXXX charges ( totaling {$2500.00} ) that I had disputed on the call on XX/XX/XXXX stated " Your dispute has been resolved and no credit has been issued ''. I asked the Citi agent the reason why, and was informed that that department does not work on the weekends and a letter with details would be sent to me. She stated it was sent on XXXX. 

XX/XX/XXXX24 - Filed police report with XXXX Colorado Police Dept ( XXXX ) Spoke with XXXX XXXX XX/XX/XXXX24 - Received call back from XXXX Colorado Police. Spoke with XXXX XXXX XXXX. Submitted all relevant details requested via Fraud Packet as instructed. Was provided case number ( XXXX ) XX/XX/XXXX24 - Received letter from Citi 's Security Operations Service Team ( Dated XX/XX/XXXX24 ), which stated We've completed our investigation and your dispute ( s ) is closed. 

The card 's EMV chip was used to make the disputed transaction ( s ) at the chip card reader. You verified that your card was in your possession at the time of the transaction ( s ), so we don't consider this fraudulent activity. 

The charges ( s ) totaling {$2500.00}. will remain on your account, under your account activity ''
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MD)

XXXX XXXX XXXX is a XXXX traveler. I open active checking accounts internationally, such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. Briefly rested in the united states I was XXXX, and all my global international active checking accounts was stolen.
Consumer complaint received 2024-07-10
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: TOYOTA MOTOR CREDIT CORPORATION (TX)

I received a voice message on my business phone from XXXX XXXX XXXX XXXX. I called back on XXXX XXXX @ XXXX XXXX, and spoke to a supervisor and informed her that I had not received a bill from Toyota Financial Services. Within the next 2 days, I received the letter from XXXX and XXXX. When I spoke to the XXXX representative, she gave me an email. I sent a letter and told them that XXXX did not give me the 30 days to set up a payment plan, and their letter is dated XXXX XX/XX/year>, and XXXXXXXX XXXX letter dated XXXX XX/XX/year>. On XXXX XX/XX/year>, I called Toyota and asked to speak to a supervisor and I was told she was not avialble. I again have attempted to call, but due to the hurricane storm, none of the XXXX lines are connecting.Toyota Financial failed to give me 30 days to call and set up a payment plan for the balance due. Rather, within 3 days they sent the debt to collections. Let it be known that this is the 2nd complaint against this company. Just like all of their previous customers before me, and the reason why they are always being sued is that they fail to follow federal guidelines. Please let them know that I am going to file a complaint with the State of Texas Attorney 's General as the have not learned thier lesson with attempting to ruin people 's credit.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (CA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This morning, I found unauthorized inquiries on my credit report, and I have no idea why they're there. I routinely check my credit, but today, unexpected discrepancies appeared out of nowhere. I even tried refreshing my browser, hoping it was a glitch, but that didnt helpthe inquiries remained. I am really frustrated, and I am requesting that the documents Ive submitted be thoroughly reviewed so I dont have to deal with this ever again.
Consumer complaint received 2024-08-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MA)

*The numbers link to the attached pdf of emails. 

On XX/XX/year>, my XXXX account was suspended due to " unusual activity '' linked to my account, as mentioned in an email from XXXX ( XXXX # XXXX ) ( 6 ) ( 2 ). I was asked to provide a picture of my photo identification, which I submitted via their Document Upload Form ( 6 ). Despite complying with their request, my account has remained frozen, and I have been unable to access or withdraw the funds in my account for over XXXX months. 

Since then, I have contacted XXXX multiple times to resolve this issue, including via chat sessions on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> ( 3 ) ( 5 ) ( 4 ) ( 2 ). In each case, I was informed that my case was being forwarded to a XXXX team, but I have not received any substantive updates or resolution. 

On XX/XX/year>, I received an email stating that XXXX could not provide any further information about why my account remains frozen and that my funds are still unavailable for transfer ( 1 ). 

This ongoing lack of communication and the indefinite freezing of my account has caused significant frustration and concern. I am seeking assistance to regain access to the funds in my XXXX account as soon as possible.
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

paid my credit card off just 2 days after they required a payment made a XXXX payment XX/XX/XXXX and towards my balance and on XX/XX/XXXX paid the balance XXXX off at least 2 weeks before due date and almost 4 weeks later they want to charge me interest for having a XXXX balance i was waiting for confirmation that my account was closed before deleting the app on my phone they did this crap on my last credit card before this one I am having a problem of being charged ona XXXX balance carry over before this current billing cycle tired of being scammed by capital one
Consumer complaint received 2024-07-25
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX 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 instruction
Consumer complaint received 2024-08-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (OR)

My husband and I were laid off the same day from our industry ( mortgage ) on XX/XX/XXXX. We contacted Carrington Mortgage Services and requested a forbearance and or modification. We were told we had to be late at least 90 days before anything could be done. We were current at the time. We called again at ninety days late and requested a forbearance. We received a forbearance ; however, four of the forbearance payments were required to be put on the back of the loan, as indicated by XXXX XXXX in the State of Oregon thus , by the time our forbearance ended, we owed over $ XXXX in late and back payments and fees. This made it impossible for us to become current as we were still unemployed. When we became employed again we made less than half of our previous income. We reached out to Carrington Mortgage and the Oregon Housing Authority in hopes of keeping our home. We were told that due to our income being so much less and our inability to pay the back fees/payments, our only option was to sell or be foreclosed upon. We contacted XXXX XXXX XXXX XXXX, and they indicated that Oregon has a program in which they will grant up to $ XXXX for back dues/payments, etc, to bring the mortgage current and keep the consumer in the home. This plan didn't work for us because when we received a mortgage, our loan amount was over the conventional loan amount. While our home mortgage is currently within conventional loan limits, we don't qualify based on our original loan amount. We feel that this violates the Oregon Unfair Trade Practices Act " advertising real estate, goods, or services with the intent to not provide the items advertised ''. 
We feel Carrington violated Oregons foreclosure moratorium by requiring the XX/XX/XXXX thru XX/XX/XXXX payments to be paid in full rather than being added to the end of the loan. We feel Carrington violated Oregons Unfair Trade Practices Act at XXXX XXXX and XXXX  XXXX by failing to deal with us in good faith and in violating Oregons foreclosure moratorium. Had Carrington put those calendar year XXXX payments on the back of the loan, we believe we could have gotten current and saved our home. However, we were never given that opportunity and once we were unable to bring the loan current, Carrington exacerbated the problem by refusing to accept any payments.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX  - XXXX  XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2024-08-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BANCO POPULAR DE PUERTO RICO (GA)

I had a XXXX with Popular Direct online bank worth {$XXXX}. It was set to mature on XXXX, with the stipulation that I had a XXXX calendar day after maturity grace period to contact the bank and let them know I did not want to renew it or it would automatically renew. I contacted the bank within XXXX  days and informed them that I did not want the XXXX  to renew. They acknowledge that! However, since I did not provide them transfer information fast enough ( no time limit was given ), they renewed the XXXX  2 days later. When I contacted them and told them that I told them that I did not want the XXXX  renewed, they told me that since I didnt send transfer info, they took it upon themselves to renew the XXXX. This is wrong. I told them ( and they confirmed ) that I did not want the XXXX  renewed. I contacted them within the required XXXX  days -- they confirmed. They never told me that if I didnt submit transfer account info by the XXXX  days they would renew my XXXX. When I asked them to give me my money back, they told me they would deduct a {$XXXX} penalty for canceling the XXXX.
Consumer complaint received 2024-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MA)

on XX/XX/year>, I received on letter from a company name XXXX XXXX XXXX XXXX XXXX said I had a debt XXXX {$1400.00} I didn't recognized it, on XX/XX/year> I received another letter from different company 's name LVNV FUNDIND llc {$1100.00} I try to take that action I CALLED XXXX XXXX XXXX to let them know this not me they said it a error this amounts already paid off and no charge off.
Consumer complaint received 2024-08-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

# CashApp has sent me two cards ( and I assume has opened two accounts ) without my authorization. Im a victim of identity fraud and have all my credit reports frozen. I dont understand how they could have opened the first account, but shouldnt they have been suspicious when they opened another account in my name a day later?!?
Consumer complaint received 2024-08-20
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CREDIT ACCEPTANCE CORPORATION (OH)

Account # XXXX Credit Acceptance Corp 1602 A. States I have the right to privacy.

lon 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without n a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any oi on Any other adverse item of information, other than records of convictions of crimes which antedates t 1 years.

1s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting age or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (TN)

Ran into difficult making loan payments. Called Wells Fargo before becoming delinquent. Was told they could not help. XXXX representative told us since we were current there's nothing they could do. I advised did not want to get behind and hurt credit. Wanted to offset problem. Eventually ended up trying to go through a modification with a third party company. To no avail. Ended up doing a short sale on property.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (IA)

Chime ( or XXXX, formerly XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) illegally gained access to my personal information and opened a banking account without my permission. I did not contact Chime and hadn't even heard of this company before receiving the letter and XXXX  card in the mail. This is an illegal practice for a banking institution and the CFPB should be working to prevent this from ever happening again.
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (NJ)

Dear Sir/Madam, I am writing to request validation of the debt referenced above, as required by the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692g Sec. 809 ( b ).

Please provide the following information : 1. Proof of the original debt : A complete and detailed account statement showing the amount owed and how it was calculated.

2. Proof that you are legally authorized to collect this debt : A copy of the agreement between your agency and the original creditor that grants you the authority to collect this debt.

3. Verification of my liability : Documentation that establishes my liability for this debt, including any signed agreements or contracts.
Consumer complaint received 2024-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (GA)

Wakefield & Associates I reported to my Credit Bureaus that I have a two medical debt from XXXX XXXX XXXX XXXX which is false, the of the debts are {$1100.00} Date open XX/XX/year> which is false and {$1200.00} Date open XX/XX/year> which is false. I have never received a medical bill from any Hospital/Doctor Office .
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

Ive reached out multiple times regarding a charge off on my account that is coming back verified as accurate when it is in depth inaccurately reporting on my credit report. How is it Ive reached out multiple times and yet their are still inaccuracies remaining on my report REMOVE THIS ACCOUNT IMMEDIATELY Ive sent over multiple letters asking to remove this account and also verify the debt and Ive yet to receive in Mail a letter showing proof where I was emailed any correspondence from XXXX  regarding late payments or my account going into default this account is showing as a charge off on my report XXXX XXXX  is reporting a charge off on my consumer report I havent received any of the 1099c forms as requested Ive reached out to advised them to remove this account they updated it instead of removing this account as a whole it was reporting incorrect information like late payment incorrect date of activity incorrect balance and incorrect payment dates under I B WOULD LIKE THIS ACCOUNT REMOVED COMPLETELY also 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) a person shall not furnish any information relating to a consumer to any agency if the person knows or has reasonable cause to believe that the information is inaccurate i would like you to provide me by mail how you validated this information to be correct a the IRS defines a charge off as gross or ordinary income. income does not get reported on a consumer report I have sent over a hand written response by mail requesting that this account be DELETED FROM MY REPORT for reporting inaccurate information I demand this account be deleted as soon as possible
Consumer complaint received 2024-08-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (CA)

Subject : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX Dear consumer federal protection bureau I am writing to formally lodge a complaint against XXXX regarding a troubling experience I had with a XXXX transaction on XX/XX/year>. At XXXX XXXX, I received XXXX XXXX, and was informed that the transaction would take approximately XXXX minutes to complete. Following this, I was notified to perform a final check and was told that my XXXX would be visible in my account. 

However, I found that the XXXX did not appear in my account as promised. I was informed that the transaction was under review and that I would need to wait XXXX hours for the coins to show up. Despite this, by XX/XX/year>, the XXXX still had not been credited to my account. 

Upon contacting a live agent, I was told that I would have to wait an additional XXXX days for the issue to be resolved. This situation is deeply concerning, as it appears that XXXX is using customers funds without permission for an extended period, which I believe constitutes fraud. The volatility of cryptocurrency prices means that the value of the XXXX I am owed could change drastically over those days, leaving customers like myself at a severe disadvantage. 

I urge you to take immediate action against this practice to protect users from potentially fraudulent activities. Thank you for your attention to this serious matter. 

Sincerely,