davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (VA)

Transfered my internet service to XXXX XXXX. XXXX offered a 30 day money back guarantee for the service. XXXX was unable to provide the contracted service and I cancelled the contract within the stipulated 30 day period. XXXX refused to honor the warranty. XXXX engaged Credit Protection Associates ( XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX ) to collect the fees for the service. Credit Protection Associates started contacting me to collect the debt. I advised Credit Protection Associates, in writing, that XXXX was in error, no amount was due, the VA utility authority had ordered XXXX to honor their published warranty, and that I would take legal action if Credit Protection Associated harmed my credit rating. Credit Protection Associates filed a delinquent notice on my credit rating with the credit bureaus. I was subsequently denied a loan by XXXX XXXX bank as a result of the Credit Protection posting to my credit report. 

I have reached out, in writing, to both XXXX and Credit Protection Associates to express my distress with their handling of the matter and that I would file a FCRA complaint if they did not offer any remedies. Both XXXX and Credit Protection Associates elected to ignore my written correspondence. 

I am ready to proceed with a formal complaint that both XXXX and Credit Protection Associated are in violation of FCRA provisions.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

From XXXX XXXX to XX/XX/year> I have XXXX unauthorized transactions with the total amount of {$4400.00} from an unknown XXXX XXXX. This has been an ongoing issue with XXXX no matter how much proof I provide the claim is denied. When I request documents that lead to the final decision they are no relevant documentation. This is not the first issue Ive had with chime. I find it very unfair and unprofessional of the simple fact of the matter when I contact the merchant and explain my situation the merchant confirms error has taking place. The first issue with chime I swept under the rug, this time I will file a lawsuit.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX In XXXX XXXX I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. XXXX XXXX   offered to place my account in forbearance between XX/XX/XXXX - XX/XX/XXXX during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. XX/XX/XXXX I recontacted customer service to inform them that I was still in a financial burden with having to pay for insurance deductibles that was caused by the storm and not qualifying for FEMA assistance. At that time, they offered an extension of the forbearance from XX/XX/XXXX - XX/XX/XXXX, with the same benefits offered as before. When billing reoccurred in XX/XX/XXXX, I disputed the amount owed because it contained late fees and accused interest for 6 month forbearance period. I escalated my concerns to the Customer Service Manager in XXXX when these same charges were being improperly charged. This continued through XX/XX/XXXX at which time they reported my account as a charge off status, reported all payments from XX/XX/XXXX - XX/XX/XXXX as not paid and serious delinquencies to all three credit reporting agencies and sold the original account that was still for the disputed amount to XXXX XXXX XXXX in XX/XX/XXXX and they continue to report collections and serious delinquencies until current, XX/XX/XXXX. This has drastically affected my financial ability to recover and continues to impact my credit scores and livelihood. I believe they fraudulently charged off the account and sold it to XXXX XXXX XXXX because they were unable or unwilling to honor the original forbearance guarantee. 

I have disputed this with XXXX XXXX, XXXX XXXX XXXX, XXXX, Transition, and XXXX to no avail.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens bank charges {$35.00} per overdraft fee. The biggest issue is that it doesnt allow you to overdraft XXXX amount so that you will have just XXXX fee. Instead it makes you overdraft XXXX which you accumulate so much overdraft fees instead of allowing XXXX payment. The system is designed to take your money. For the past few months Ive paid over {$2000.00} in overdraft fees.
Consumer complaint received 2024-09-11
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. (TN)

Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in resolving a dispute I have with Wayfair regarding a defective mattress purchased in XXXX. The mattress was intended for my XXXX daughter, who only began sleeping on it independently this summer. After a few months of use, we discovered that the mattress has sunken in the middle and is no longer usable. 

Initially, Wayfair accepted my dispute and asked for supporting documentation within 72 hours. However, before I had a chance to gather and submit the necessary documentation, they denied my claim due to the length of time since the purchase. This was despite the fact that the product was unused for nearly 2.5 years, and the defect only became apparent when my daughter started using it. 

The mattress was purchased during the COVID-19 pandemic, and it seems the product was poorly made. I believe I am entitled to a refund or replacement for a defective product, regardless of the time frame, especially given that it was unused for such an extended period. I would appreciate your help in disputing this charge and ensuring that Wayfair addresses the defect in the product they sold. 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX
Consumer complaint received 2024-09-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (RI)

Yesterday I tried using Wise transfer to make a local transfer. I selected ACH, made a payment of {$40.00}. But to my surprise after many hours, I got an email saying my account has been closed, but when I checked my bank account, they already took my money. And the transfer was never made.
Consumer complaint received 2024-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IN)

Back on XX/XX/year>, I had a withdrawal occur on my Paypal account for the amount of {$1900.00} that was transferred to another account ending XXXX, which is apparently a debit account from XXXXXXXX XXXX I contacted Paypal and tried to dispute this transaction as it was not authorized, but PayPal has been giving me the run around. They state that the account the money went to belonged to me, however I have never had any business or accounts with XXXX XXXX. I have checked my credit reports and XXXX and there is no account that was found. Paypal refuses to assist in this dispute despite my multiple calls and attempts.
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (IL)

XXXX, XX/XX/year>, XX/XX/year> XXXX ( XXXX ) XXXX Harassment phone calls from multiple phone numbers trying to collect on a debt that Ive never heard of trying to collect a debt when Im on the do not call registry
Consumer complaint received 2024-09-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (PA)

I purchased bedroom furniture from XXXX XXXX and financed it through Acima. I made a deposit of {$52.00} on XX/XX/XXXX the day the XXXX was delivered. As part of the deal you set up monthly auto debits. The XXXX payment was due on XX/XX/XXXX and they debited {$360.00} from my checking account. I saw that this finance was going to cost me over double what the furniture cost, so I borrowed money from my fiance to do the early purchase option. I financed {$2000.00} and staying with Acima for XXXX months I would have paid a total of {$4400.00}, that's a total finance charge of {$2400.00}!!! They tax each monthly payment also so the total tax had I continued paying them for XXXX months would have been {$290.00} when tax on the purchase amount of {$2000.00} would only be {$140.00}. On XX/XX/XXXX, only XXXX days after the finance was originated, I logged onto the app and paid the early purchase amount in the amount of {$1600.00}. I was so happy to have been able to take care of that and be done with Acima. I would be paying my finance back in XXXX monthly payments now instead for acima. To my surprise there was a debit in my checking account from Acima in the amount of {$230.00} on XX/XX/XXXX so I made a phone call to them. They told me I didn't include the tax amount with the early purchase option so that I missed the no fee payoff date that was XX/XX/XXXX. I am a XXXX XXXX XXXX  XXXX XXXX man on a fixed income and I've called them multiple times trying to get them to fix this for me and offered to pay the tax that I forgot to include and they wont budge. They said I have other options, I can pay {$1200.00} + tax today and be paid in full or I can continue making XXXX more monthly payments in the amount of {$360.00} for a total of {$2200.00} + tax. I told them I'm on a fixed income and have to pay back the money I borrowed to pay the early purchase amount back in XXXX which is {$300.00} a month. I asked why wouldn't they reach out to me and tell me I forgot to pay the tax. Why would I pay such an odd amount, {$1600.00} as a lump sum payment. What advantage would that be for me. I called several times and spoke to numerous people including supervisors and they won't bend XXXX bit. I feel I am being completely taken advantage of and being scammed. I hope you can help me as I am so very ill from all of this. 

After several phone calls they sent me an email saying that they will be using the secondary rent renewal payment method that we selected when applying. This is not true. They have my fiances debit card number that she used when paying off the early payment option amount for me. She never gave them permission to save or use the account again.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (NC)

Consumer Name : XXXX XXXX Consumer SSN : XXXX, Consumer DOB : XX/XX/year> Contents of complaint : I am writing to file a formal complaint against XXXX XXXX, XXXX and XXXX regarding their handling of a fraudulent bankruptcy entry on my credit report. This entry is the result of identity theft, and despite my efforts to resolve the issue directly with the credit reporting agencies, the problem persists unresolved. Below are the details of my complaint : Identity Theft Incident 1. Nature of Fraud : An unauthorized bankruptcy was filed in my name without my knowledge or consent. 2. Date of Discovery : XXXX XXXX 3. Impact : This fraudulent bankruptcy entry has severely damaged my credit report and financial standing, affecting my ability to obtain credit and maintain a positive financial profile. 
Actions Taken 1. Reporting the Incident : I filed an identity theft report with Federal Trade Commission ( FTC ) ] Report Number XXXX. 
I have submitted a personal statement to the credit bureaus detailing the identity theft and requesting the immediate removal of the fraudulent bankruptcy entry. 
2. Dispute with Credit Bureaus : I have disputed the fraudulent bankruptcy entry with XXXX XXXX, XXXX and XXXX under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, which mandates the blocking of information resulting from identity theft within four business days.

I have notified the credit bureaus that I am opting out of information sharing and withdrawing any consent for the reporting of this fraudulent bankruptcy.

Issues Experienced 1. Lack of Response and Action : Despite my disputes and identity theft report, the fraudulent bankruptcy remains on my credit report. Negligent Violation under 15 usc 1681o. 
The credit bureau has not removed the fraudulent information in a timely manner, as required by 15 U.S.C. 1681c-2. This section of the FCRA requires removal of such information within four business days.

The credit bureau has not provided adequate verification or a satisfactory explanation for the continued presence of the fraudulent bankruptcy entry.

2. Privacy Violations : The handling of my personal information appears to be inconsistent with privacy protections under 15 U.S.C. 6802 ( Opt-Out Right ) and 16 C.F.R. 313.7 ( Prohibition Against Disclosures to Nonaffiliated Third Parties ). My personal data has been improperly used, impacting my financial standing.

3. Non-Compliance with Fair Credit Reporting Act ( FCRA ) : According to 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum accuracy of the information. The continued reporting of this fraudulent bankruptcy indicates non-compliance with this requirement.
Consumer complaint received 2024-05-28
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. (NC)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

This complaint is related to the the complaint # XXXX. 

I opened the complaint # XXXX, and the CFPB closed it based on an untruthful response from the bank. The bank claimed that they didn't recognize me as their customer, thus my complaint was unjustifiably closed. 

I am their customer and still have the account with them as of now. My phone contact is the same for my bank profile and with CFPB. I already confirmed with them the email address I submitted with CFPB is my legitimate email address. I'm attaching the screenshot of my online bank account profile to show I'm their customer and that my contact information agrees with what I provided to CFPB. 

Furthermore, their response to CFPB is not consistent with their response to me. In their letter to me on XX/XX/30, they didn't state that they didn't recognize me as their customer, but they merely didn't take responsibility for their negligence that resulted in the imposter cashed the fake check in my name, claiming their teller already checked the ID. But when I personally checked with the teller who helped with the transaction, she said she remembered that imposter and of course it wasn't me. That individual also didn't have the bank card. One of their tellers also confirmed that they weren't required to scan all the IDs. 

My time and effort spent on this matter cost me a lot more than {$800.00}, but I want to get back what is rightfully mine. It's not just monetary now, but it's also principle. Besides, the bank has become unreasonable and unethical in their actions.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (LA)

I deposited a check for {$77000.00}. These are proceeds from the sale of my home. It was deposited on XX/XX/24. A hold was placed and then released on XX/XX/24. I called Chase to confirm that the funds were good to use and they said yes. I also mentioned that I needed to increase my daily limit for spending, which was done and raised to XXXX. No problem. I went shopping to furnish my new home. I purchased items in person at XXXX XXXX and swiped my card with no problem. I attempted to purchase a item at XXXX XXXX, but it was denied, but then I was able to get it to go through once I tried again. Same for XXXX 's. I was able to get the bulk of what I needed. Furniture has been delivered. As of XXXX XXXX  XX/XX/24, I received a call that my account ( XXXX ) have been restricted and my debit card has been cancelled. I spent XXXX hours at the local branch wherein they called several people and the issue was needing to verify the check through a phone number through the title company, but their system was unable to verify the number. However, several supervisors have touched my account today and they were able to verify the check through the title company. The fact that AFTER they cleared my funds I have a restricted account is completely unacceptable. I have no way to get into any of my accounts, including my child 's, which has nothing to do with this deposit. We can't access anything and I've been dealing with this all XXXX day. I have talked to several supervisors and this is going nowhere. They refuse to approve this transaction and the check has cleared the title company. I personally spoke with the owner of the title company. Also, XXXX told me that the check had passed the 7 day threshold. So now why can't I access any of my funds??????? Please help.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

Citi Reference Number : XXXX Previous : Consumer Financial Protection Bureau Case # XXXX Citi responded to the case # XXXX complain stating that they going to terminate baking relationship with me and to wait 30 - 60 days for outstanding checks. I sent out an email proofing that the money in the account belongs to me on the same day that I received their response which is XX/XX/XXXX. I did not hear anything from them after that. I then received the last statement showing all of my fund as other withdrawal on XXXX, and left behind only XXXX cent on the account. XX/XX/XXXX, 60 days from the day they closed my account, I received a check for XXXX cent. I did not received the entire fund of my accounts which is XXXX. Today XX/XX/XXXX I received 2 checks for the amount of XXXX & XXXX. Citibank still holding most of my money which is XXXX. XXXX was sent from my wife XXXX account. I already provided proof that the money in that account belongs to me and proof of our marriage ( please see proof responded attachment ). I need Citi to return my remaining fund in a form of a check as soon as possible. Please see attachments.
Consumer complaint received 2023-03-27
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXXXXXX Bankruptcy XXXXXXXX XXXX Bankruptcy, 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. section2 : States a consumer reporting agency can not furnish a account without my written consent TransUnion XXXX XXXX Type : XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy Status : XXXX XXXX Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX Reference # : XXXX XXXX Closing Date : XX/XX/XXXX XX/XX/XXXX XXXX Amount : {$0.00} {$0.00} Court : U.S. Bankruptcy Court US BK CT-EAST DIST MIC Liability : {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} Remarks : - - Bankruptcy TransUnion XXXX XXXX Type : XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX  XXXX Bankruptcy Status : Dismissed Dismissed Dismissed Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reference # : XXXX XXXX XXXX Closing Date : XX/XX/XXXX XX/XX/XXXX - XXXX  Amount : {$0.00} {$0.00} {$0.00} Court : U.S. Bankruptcy Court US BK CT-EAST DIST MIC Federal Liability XXXX {$0.00} {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} {$0.00} Remarks : -
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

BMO Harris flagged a check for fraud that we deposited. They froze our account. They did not notify us in any way. They locked our on line access told us it would take 14-30 days to clear. And told there was nothing they could do. So getting no answers we went into the branch office. The branch office couldnt get any cooperation from the fraud department. The owner of the check was devastated at the situation. The fraud department said it was a signature verification issue. So we even had the owner of the check available to come to bank office and verify. Not good enough. They made us prove the check had cleared his bank. So the owner had to prove It cleared his account. They made him go to his bank and get a copy of the cancelled check. 
So we did that. 
This turned into a 2.5 hour waste of a morning for 5 people so do the math All funds were transferred and received but our account is still on frozen The fraud department needs major improvement
Consumer complaint received 2024-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Finance System of Richmond, Inc. (NH)

I usually do not answer calls to XXXX area code numbers. Due to scamers usually using telephone numbers starting with XXXX. But decided to answer the call one day, & was told they have an important message for me. So I decided listened, & they stated I owe a debt. As of today I do not owe any debt of any kind. And when I had asked for proof of said debt, they refused to provide me, with the proof of said debt. So I told them that, until they could provide me with the proof. Of said debt that I supposedly owe. I'm not giving them any information, or money. Nor am I confirming my identity with them, & I will no longer answer their phone calls. Now they are starting to harass me daily. Calling me everyday, up to XXXX times per day. As early as XXXX, & even past XXXX some nights, with calling me as late as XXXX. I have put the numbers on my phone 's block number option. But that just sends them straight to voicemail, everytime they call. Which they fill my voicemail box up to where no other voicemails, can be left. And I have to spend XXXX mins each day, deleting messages from my inbox daily. It's becoming to be a nuisance now. Please do something about this. 
Thank you.