davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (TN)

I had a XXXX XXXX that I purchased and finace for XXXX  month and I went to a dealer XX/XX/XXXX to trade another car and thr value of my car was XXXX and I owe XXXX on my loan but the total XXXX is the total base by the XXXX  month contract becuase when XXXX XXXX. They put the total on XXXX interest on the amount u finace to the total and when I trade in the value was XXXX and the loan was XXXX so I had to rollover the differenc of XXXX but when. I trade in they can't use XXXX that amount for trade becuase that amount base the total of XXXX  month so when I trade in at XXXX  month they are using the XXXX amount of the full XXXX  year term of my old contract whencit suppose to be apr so they are rollover over my old contract future XXXX  year of interest into their new one thay fraud that XXXX adding consumer old car contract future XXXX  year total amount instead of the value by the time of trade in u adding consumer more money to finace and add interest on amount thay don't exist and on the finace paper it show they offset to my old lender XXXX and and using XXXX total XXXX  year term interest included that I have even used when I'm trading the car during the XXXX year so everytime when any consumer trade in and they use the loan amount that frauding when they adding consumer old car full loan term future XXXX  year of interest they haven't use when the finance is base on yearly XXXX XXXX and they added XXXX  year of interest on top on my new loan and make co XXXX XXXX is and pay interest on consumer old car interest amount that never used becuase when XXXX XXXX they discuss the total of consumer XXXX and if they had gap include in the full XXXX  year term and calculation the accuracy of the amount for the trade in they didn't even deduct any amount or the gap option that I brought and gave the final amount of trade in for my XXXX year instead they use the total amount of the loan of XXXX  year they intentionally have consumer trade in the car with a much higher loan balance that shouldn't even exist so I'm a victim of this ally financial using the amount of XXXX loan during the trade in my XXXX year and my new contract they added some fee for the dealer cuz they work together to structure the loan to XXXX the lender and dealer that like robbing XXXX ppl I study the contract and find out they pay my old trade in car XXXX but use XXXX amount for the balance for me to trade using consumer XXXX  year of used amount add to finace and make even more money on interest I'm file legal action for all the issue they have cause me and emotionally damage of financial of higher payment every month I had to go thru I want to go court with them
Consumer complaint received 2024-07-20
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. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Consumer complaint received 2024-07-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV INC. (CA)

I made a manual transfer to my XXXX XXXX XXXX bank account from the XXXX money net card on XX/XX/year>. I have called numerous times. First they asked me to give it time to show on my ac out. Then to file a despute. So I did. Despute was denied, so I filed an appeal with bank statements showing there no transfer went in. Still waiting on status of that appeal. No o e can tell me what account number or bank that {$1000.00} transfer went to. I am beyond frustrated since this is my XXXX $ $ and have no other sources of income. Please help me get answers since no one that answers money net calls have answers to my questions. I'm so close to eviction I don't know what else to do. It's been 2 months and all I get is the run around. Please help me CFPB
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Employer - XXXX XXXX XXXX Incorrect DOB : - XXXX Employer - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Listed below are the Accounts that are being challenged XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  - XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-07-16
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (MI)

I learned of this collection on XX/XX/XXXX when I checked my credit. I have never had any notice of said debt. On XX/XX/XXXX and XX/XX/XXXX I contacted the company via email asking for debt verification, in writing. I then emailed again on XX/XX/XXXX as well as called and have not received any validation of the reported debt at all. I also tried the live chat on XX/XX/XXXX with no verification there either. This company has never tried to contact me, nor have they responded to any verification attempts.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

On or shortly after XX/XX/XXXX my husband and I were subject to a 'check washing ' scam where a check was cashed against our account by a criminal. The check was an 'estimated payment ' made out to the United States Treasury but instead the 'pay to the order ' was changed to " XXXX XXXX XXXX XXXX We reported the fraud the moment we found out on XX/XX/XXXX. The amount stolen was {$3300.00}. 

Our request to XXXX was to simply investigate where and when the check was fraudulently cashed so our money could be returned. Instead, we received the most ridiculous run-around in the history of mankind. We were repeatedly and blatantly lied to by the bank, seemingly all in the effort to obfuscate any accountability on the bank 's part. After XXXX months of hand offs and disingenuous concern we were finally met with a bogus reference to the amount of time that had passed and XXXX refused to take further action. 

Parties involved were banker XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

In the month of XXXX, the bank of Capital One has frozen my account a couple times. I rectified the first XXXX and was free to access my money again after discussing with an employee. My account was frozen again for the same reason as before and requested more info. I provided all info I could to no avail. At this point, XX/XX/XXXX of 2024 ; I requested my account be closed. Capital one told me it will be investigated and then XXXX have a check sent to me for the funds. I was okay with this. It is now XX/XX/XXXX of 2024 and they refuse to provide me any update and keep telling me to wait. XXXX weeks ago I asked to reach out to an XXXX and they told me they would but when I called back weeks later, they told me that they have heard nothing. My funds are sitting in a pending unusable state in which I can not touch, and they have done nothing but sit for 3 months. I told the company that my credit card has an outstanding balance in which I can not and will not pay until my funds are received. I have never missed a payment on my entire life time of owning a credit card or in any debt prior to this. 

I was told by an employee that my funds in which are rightfully mine are " identified '' and that I should discuss at the least a partial payout. Calling back they said they have never heard of such thing. 

The bank knows they are holding my rightful money and are doing nothing about it and refusing to send a check to my funds. Because of this I am missing months of bills, credit cards, and more.
Consumer complaint received 2024-06-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Patient Accounting Service Center (IL)

I will need to file at least four of these complaints. I was in a car accident on XX/XX/year> where the other party was at fault. Each time I have been to the doctor or seen by a specialist. I have informed each that I was in the accident, however, they take my information, even when I provide the other parties carrier information. For this bill, I had to pay {$100.00} out of pocket apparently a co-pay. Now I have a bill for {$120.00} which is saying I will be sent to collections if I do not pay it. I have hired an attorney to handle the accident, I have been informed that the other party is refusing at this time to pay any of my medical bills apparently due to the lawyer being involved. So, my car insurance and health insurance has had to pay out. However, both have been exhausted. I do not feel like I should be penalized for this when it was not my fault, and the other party is refusing to pay at this time. I realize the companies need their money but that requires me as a single mom paying out of pocket for a medical bill that was not even my fault. I have tried to contact each of these creditors and only get that they do not get involved with accidents, and it still falls on me or my credit will be affected. I do not need my credit damaged ; I have been working hard to build it up.
Consumer complaint received 2024-07-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XXXX I was victim to bank hacking and false checks being deposited into my account after contacting BOA and letting them know that it wasnt me making these depositing that my account had been compromised they closed my account and reported it to XXXX XXXX and XXXX XXXX XXXX causing a hindrance on obtaining a real bank account, due to this false report my XXXX XXXX account had been closed down and wont be reactivated til this is removed please help as this issues wasnt my fault, I have proof of the deposited and proof of my password being changed Ive also attached my notes from today when I called BOA
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX at XXXX I received a call from XXXX XXXX I didn't answer. The person left a detailed message regarding fraud on my Bank of America account. She also left a reference number XXXX. I didn't call back as I suspected it was a scam. Her voice was clear with perfect XXXX and she was quite calm. I called B of A 2x last week and couldn't reach anyone. it didn't matter what dept I reached out to I received the same automated info as to how busy are. Yesterday I received postal mail from " Bank of America '' to call them right away at XXXX as they received a credit card application in my name and they need me to verify that I submitted the application which I did not. I didn't call either. On the bottom of the letter it states if they don't hear from me within the next 30 days they won't be able to complete their review and they'll cancel the application. *Please note the letter is dated the same day as the call XX/XX/XXXX and contains the same reference number as in the call voicemail. It also appears a bit fake in some areas. It has been impossible to reach anyone at Bank of America and I tried again today. I'm calling the number on my card but I'm wondering if my calls are being rerouted. To continue, I called my other bank today as I noticed that a hard inquiry was done BY BANK OF AMERICA ON XX/XX/XXXX AS WELL. The rep from my other bank couldn't really assist but it was definitely done and lowered my score. I informed her of what is going on. I'm not sure what the next step is. I'll probably have to visit a Bank of America as my calls are not being answering. I have no idea why they did a hard inquiry and more importantly without my permission or knowledge. I know about this as my other bank provides me with credit monitoring services. I'm very concerned about this situation. Thank you.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

My identity was compromised and I have taken measure to ensure this doesn't happened again. Someone made several attempts to secure loans or other forms of credit in my name. Pleas remove the Inquires that are listed. I have tried reaching out to the creditors in question. They all respond with the same responses, challenges my initial companion. 
Equi

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Consumer complaint received 2024-07-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Recovery Services, LLC (TN)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-07-20
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. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

Attached : Identification, Proof of Address, Letter from advocacy group, and Identity Theft Report.
Consumer complaint received 2023-11-17
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: Experian Information Solutions Inc. (PA)

Dear Sir/Madam, I am writing to dispute an authorized hard inquiry that has appeared on my credit report on XX/XX/2023 by XXXX 'XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023. While I did provide consent for the inquiry in question, I have reason to believe that I did NOT benefit from this inquiry as I did NOT receive credit from this company. I kindly request that you investigate the circumstances surrounding this inquiry and take appropriate action to address my concerns. As a consumer, I understand my rights during commercial transactions, including credit reporting. According to the XXXX, an authorized hard inquiry should provide some form of benefit or advantage to the consumer. In this case, I believe that I did not receive any tangible benefit, service, or advantage from the party responsible for the hard inquiry, as required by the XXXX. I have reviewed my credit report thoroughly and have found no evidence of any benefit or advantage resulting from this inquiry. It is crucial to note that the XXXX requires a valid benefit or advantage in order for an authorized hard inquiry to be considered legitimate and compliant with the law. Please assist.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I've called and mailed complains asking for reason for denial But pursuant to 15 usc 1691 It is unlawful to discriminate and deny credit, when I'm moving with good faith. 

Pursuant to 15 usc 1602 you can not deny me my credit, because I'm the Original creditor
Consumer complaint received 2024-06-19
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TRUIST FINANCIAL CORPORATION (FL)

I first aware of the in XXXX when I get an alert from XXXX XXXX then then after that I got the credit card that expired XX/XX/28 that said scan to activate or call XXXX or Truist.com/activate which I never did so after went to the bank multiple times and calls multiple spend hours on the phone nothing happened call cut off try call back then they transferred me to another department nothing now theyre reporting me to the credit bureau every month have collections company calling me 24 hours a day for a card that I have never had or use or even applied for never been activated this is how they get poor people by trying to keep us down they need to be reported in fact I had to pay the late fee because Im late 60 days for a card that Truist Bank
Consumer complaint received 2024-06-28
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Collection Management. Inc (MO)

This company is calling my phone with XXXX different call now numbers. After I ask for the information to this false account. I told the collection agent that I told the company The XXXX XXXX to court on XXXX XXXX. I judgement was for me. This collection agency stay call my phone and harass, call me names.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

I called XXXX  toll free number to open an account over the phone being that online it was asking me to visit the branch. I told them I am XXXX  XXXX with XXXX  XXXX XXXX XXXX. They turned me away and told me they couldn't help me. I feel like I was discriminated and they should have XXXXXXXX XXXX laws to help those who can't make it to a branch.
Consumer complaint received 2024-07-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditor Advocates Inc (AL)

Received a call today from debt collector ( Creditor Advocates ; XXXX @ XXXX ) stating I owed over {$700.00} to XXXX XXXX XXXX XXXX from XXXX, XXXX. He stated it was the cost of my deductible with XXXX XXXX XXXX XXXX XXXX Alabama. 

I called this doctor 's office several times in XXXX after receiving the bill, because I didn't have a deductible for that procedure. After speaking with their billing dept and with XXXX  several times and writing a letter of dispute, I have never received any sort of bill since XXXX, maybe XXXX. I have been on XXXX XXXX since around XXXX or before. 

I assume this bill got paid by my XXXX  back then, since I never received another bill from the doctor or anyone else after sending my letter of dispute. I actually think I've been on XXXX XXXX since XXXX, so I don't understand why I would get a call today, XX/XX/XXXX, from XXXX with Creditor Advocates. I have never in my life had a deductible more than {$170.00} for outpatient XXXX! 

Thanks for your assistance in this matter. 

XXXX XXXX XXXX XXXX