davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC (MI)

I was unaware how a title loan went but anywho, I took out a title loan on my vehicle in XXXX of XXXX. I was told my payout was around the amount of the loan which was XXXX but I only received XXXX to begin with. They were taking money out of old accounts even after I updated them with new account information but was still charging me late fees of over XXXX dollars and insufficient fees of over XXXX each month. As I kept making payments, my loan amount never really decreased. I spoke to a representative in XXXX of XXXX to inquire about this. I was told that only XXXX dollars of my monthly payment of XXXX was going to my actual loan and the rest to interest which my rate was 77.14 %. I immediately ask to speak to someone in higher office regarding this but instead I was giving other options like extensions or a month credit. I filed bankruptcy in XX/XX/XXXX which was discharged on XXXX XXXX. I never heard from XXXX at all after my discharge and in XXXX of XXXX I woke up and my vehicle was gone. I thought someone stole it just to find out they repossessed my vehicle. When I called this company, they kept transferring me to other places and then told me my loan wasnt with them. I argued with these representatives who were very disrespectful over and over to the point where I was told Im not getting my vehicle back at all. I was advised to file XXXX  XXXX, which I didnt want to do just to get my vehicle back. When I informed them of that, they said they were filing an appeal to make sure I dont get my vehicle back, however I was able to get my vehicle back following the filing. My bankruptcy was dismissed due to being giving the wrong time to appear. Im sure they may try to take my vehicle again but I dont think they should be able to do that because I feel like some fraudulent activity is going on regarding my account. How can I get a loan from one place and now theyre stating its with someone else.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (FL)

XX/XX/XXXX thru XX/XX/XXXX my direct deposit in the estimated amount of XXXX was electronically sent to my check account to Truist Bank. I contacted Truist Bank to find out why the funds were not showing on my online banking. The representative told me that I account had been permanently closed to to inactivity and negative balance which should have been only XXXX. I complained to the agent why wasn't I notified by email notification or contacted by phone that my only checking account I have is permanently closed. The agent apologized then explained to me over the phone that the decision was made by Truist to take off {$110.00} from the XXXX and that XXXX will be sent to my mailing address on file and rest it will take 10 business. I complainted to the agent that this is unfair ethical business practice. Truisr should have sent back the funds the way it was received. Not by only mail suppose the check gets lost or the address on file may not be accurate. Truist should make attempt to contact the person the finds are being sent to. To my shocking disappoint the check that Truist is sending me can't be stopped which is what I needed to happen and needed truist to provide a faster way to get my earned check so that I can pay my rental home which is still owed due to me being unemployment. I now have a new joband earning income. I feel that Truist should not get away with charging fees toward negative balance. The amount overcharges should be the only amount the consumer pays back. Truist taken XXXX out of my first check i earned since started back working. If their is a depth owed don't take the money call the consumer and allow the consumer the fair chance to pay it back in the bank or over the phone to settle it. Truist has made my life right now even more very difficult. Truist Bank has very flailed business practice ethics.
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/year> XXXX  PDT, I called American Express ( using the number on the back of my card ) and asked 3 times to close my account. After I asked for the third time to close my account, the agent put me on hold for a few minutes, then told me the account has been closed and that it will take affect within 3 hours. 

On XX/XX/XXXX I called back and confirmed that the account had not been closed as I had requested. I asked again to have the account closed, and asked why it was not closed when I originally asked. They did not have an answer as to why the other agent had lied to me about closing my account, but they were able to close my account at this time.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-08-20
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (FL)

At some point between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX transferred their accounts to TD Bank. 

Received XXXX statement on XX/XX/XXXX. My bill is due on the third of every month via automatic payment that I have authorized XXXX to take from my bank each month. After reviewing my statement I noticed I had been charged a late fee of {$29.00} on the date my XXXX payment was due. 

At XXXX XXXX  EST on XX/XX/XXXX, I called the customer service number XXXX and was on hold for 30 minutes. After a 30 minute hold time, I disconnected the call. Afterwards, I submitted the following message on TD
financing website, XXXX, and explained the issue : " I just received my bill with TD financing for the first time and have late fees of {$29.00}. My payments are and were setup for XXXX to take payments from my bank on the due date every month. For the last 10 months the payment has been withdrawn AFTER the due date and I have never been charged a late fee. It is not my fault if TD bank didn't take the money on the date they were supposed to be paid. Please remove the late charges from my account and adjust my credit score accordingly! '' The message still shows as " Pending. '' I attempted to call again at XXXX EST on XX/XX/XXXX, and was left on hold again for another 37 minutes. My mail came that same day, and in it was a past due notice from TD Bank Retail Card Services for XXXX XXXX. I called the number on the letter, ( XXXX ) XXXX. The gentleman that I spoke to was with the collections department and because my account had not been flagged as of yet, there wasn't anything he could do except take a payment or make a payment schedule. He offered to transfer me to another department that could handle the errors on my statement, where I sat for another 30 minutes on hold. About this time is when I decided to research about filing a federal claim.

In looking at my most recent activity on TDFinancing.com, there are currently XXXX declined transactions for {$8.00} on a single day, XX/XX/XXXX. This {$8.00} is to cover XXXX XXXX which is now being threatened to be discontinued due to a payment error. I received a text message on XX/XX/XXXX instructing me to update my payment method or lose my XXXX XXXX XXXX. Again, there has never been an issue with my payment method. I believe I had one late payment in the very beginning with XXXX XXXX still in control and they waived the late fee. From that point on, I allowed XXXX to take the payments when due to avoid another late fee.
Consumer complaint received 2024-08-20
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (TX)

I did not agree to {$3700.00} deferred interest it was advertised as XXXX mo 0 % interest and 29.99 % monthly after the promotional period. This is false advertising and predatory lending.
Consumer complaint received 2023-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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. 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. 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 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC. (AR)

this company is reporting fraudulent inaccurate Information on my credit report. i have requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an account that belongs to me
Consumer complaint received 2024-08-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (CA)

During the course of about the past XXXX or so years, my California identification card has been stolen and then was replaced and once again, stolen. Along with that was my wallet containing multiple prepaid cards in my name, my marriage certificate, my birth certificate, and my social security card. Recently I have noticed a major decrease in my credit score due to a collection that was not me. Here are the details for that collection : Orginal creditor : XXXX XXXX XXXX XXXX XXXX  agency : Sunrise Credit Service Date opened : XX/XX/year> Amount owed : {$460.00}
Consumer complaint received 2024-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (CA)

On XX/XX/XXXX we returned a rental car to the XXXX XXXX XXXX in XXXX, CO. There was no damage to the car and we were given our receipt and went on our way. We were surprised to receive the following letter. 
On XX/XX/XXXX, almost three months after we retuned the car, we received a bill from XXXX in the amount of {$490.00} for damages to the car. We made attempts to reach XXXX on the number on the letter ( XXXX ) with no return call. 
On XX/XX/XXXX we received an email from XXXX stating the damage was our responsibility. We responded the same day via email, stating it was not damaged when we returned and had our receipt and we would not be accepting their statement that there was damage. 
In XXXX, we received a letter from Viking Client Services dated XX/XX/XXXX with an attempt to collect {$490.00}. I telephoned and spoke to a Viking agent XXXX XXXX to discuss. I advised her we did not have damages to the car and I had my receipt from when we retuned the car. I asked for documentation and she said she would send us information. 
On XX/XX/XXXX, we finally received documentation from Viking including pictures.The odometer reading did not match what we had on our receipt. 
On XX/XX/XXXX we responded in writing that it was obvious the car had been driven by someone after we dropped it off, indicated by the mileage of XXXX on the odometer when the images of damage were taken. We attached our rental agreement receipt showing the odometer reading was XXXX when we returned the car. There has been no response to our letter. 
On XX/XX/XXXX we received a letter dated XX/XX/XXXX offering us a repayment plan for the {$490.00}. There has been no acknowledgement from our written response from XX/XX/XXXX showing the discrepancies with the odometer reading. 
Once again, we did not return a damaged car and we want these charges to be removed from our name. 
Thank you,
Consumer complaint received 2024-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (MD)

I noticed that my rewards points were not the XXXX  % cash back on all purchases in which I agreed to use my credit card under and they were being charged at XXXX % cash back. Upon inquiring about this change, the credit card issuer said they sent me an email back in XXXX- however I never received any email notice and the agent told me they didn't have any record of sending me the email either after I asked them to forward me proof of sending the notice of change. For several months I used my rewards card thinking I would get XXXX  % back on my purchases but I come to find out I was not, I didn't get any notice at all from the credit card issuer of this change. I am requesting the remaining XXXX % cash back rewards on my balance that I had paid since the policy change happened.
Consumer complaint received 2017-11-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CO)

On XXXX/XXXX/XXXX I discovered I saw a pending transaction on my checking account for {$360.00} from a company called XXXX XXXX - since I havent done any transaction for that amount I tried to contact the merchant with the phone number attached to the transaction. The call went to a personal voice mail - no name -it asks to leave a message .. after 2 attempts- I decided to call my bank and inquire about the charge. The representative informed me it was a charge going through my debit card and went through on XXXX/XXXX/XXXX for {$360.00} ; XXXX/XXXX/XXXX for {$360.00} and XXXX/XXXX/XXXX for {$400.00}. The representative stated not to worry and the bank will investigate and refund the charges back to my account since I havent authorized it and that the charges are fraudulent. He also stated that my account is insured and transferred me to the claims department. The agent in the claims department repeated the same thing and I also found one additional unauthorized charge that went through from XXXX for {$62.00} and disputed that charge and said hell deactivate my debit card and send me a new card. However, on XXXX the bank decided to reverse the charges for {$360.00} that occurred on XXXX/XXXX/XXXX and {$62.00} on XXXX/XXXX/XXXX stating that I didnt report the charges within 60 days of the statement date. I called and spoke with a supervisor with the claims department, XXXX in Ohio and tried to explain to her that if the charges happened in XXXX and I reported it in XXXX it is not over 60 days she insisted that the bank shouldnt refund the money that was stolen from me.
Consumer complaint received 2022-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bonneville Billing and Collections (OR)

As of XXXX a collection company by the name of Bonneville Collections is sending me fraudulent mail with wrong spelling of name and address. Furthermore I called this collection company and they stated they have no collection account given under social security number. Bonneville Collections have yet to place this so called debt on any of the major XXXX credit bureaus since purchasing this so called debt which furthermore let 's me know this is a fishing fraudulent account. The amount of the debt which this company says I owe the amount of {$76.00}.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 XXXXXXXX XXXX XXXX account number XXXX XXXXXXXX XXXX XXXXXXXX XXXX  account number XXXX XXXX  XXXX XXXX XXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXXXXXX account number XXXX ALL ACCOUNTS LISTED ABOVE VIOLATED MY RIGHTS LISTED BELOW 15 USC 1681 section 6028 states I have a right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681C ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reports containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes, which ante dates the report by more than seven years 15 USC 1681S-2 ( A ) ( 1 ) a person shall not furnace any information related to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is in accurate 15 USC 6802 No financial institution is not supposed to share my information to third-party people
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 (NY)

On XX/XX/year>, I received an email from Venmo that my account requires additional attention and that I would receive an email from a support specialist to help me with it. I opened the Venmo app and my account was frozen with my funds still in there. To this date, I have submitted numerous requests to provide any information they require to remedy this issue, but I have no received a single response and my account and funds are still frozen.
Consumer complaint received 2024-08-18
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. (VA)

I recently found an unauthorized credit inquiry on my report, dated XX/XX/2022, under the name XXXX FREE DISCLOSURE. This entity is unfamiliar to me, and despite a thorough review of my credit report, I am still uncertain whether this inquiry was generated by Trans Union LLC or TransUnion XXXX XXXX XXXX, both subsidiaries of TransUnion. I never consented to this inquiry, and the lack of transparency has raised serious concerns about the security of my personal information. 
I have formally requested an explanation and proof of authorization from TransUnion but have yet to receive a clear response. In addition to the unauthorized inquiry, I am also worried about the accuracy of the entity 's legal name. Any misidentification could lead to significant legal and financial consequences. 
By sharing my experience, I hope to raise awareness and help others who XXXX face similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies.
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (AL)

This company is reporting fraudulent inaccurate information on my credit reports. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me. To Whom It May Concern : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 6. Chain of Custody 7. Assignment of Contract Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST CITIZENS BANCSHARES, INC. (AZ)

I requested to open an online savings account with Cit Bank and after I was approved and the account was opened it asked me to fund it. So I requested to transfer {$25000.00} of funds from 3 of my accounts. This took them 3 days and then my source accounts were debited the funds. Immediately after they debited the funds they then locked me out of my account. I called to get my account unlocked and was told that they will not unlock it because they have decided to close my account and end our relationship. I asked why this is happening and why they didn't deny me before approving me and taking my funds but they would not answer and would only tell me that they have decided to end our relationship. Now the funds have not been returned to my source accounts and I do not have an account with Cit Bank to log into.