davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

THIS INFORMATION DOES NOT BELONG TO ME. IT AHOULD BE REMOVED IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-31
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: ALLY FINANCIAL INC. (OR)

Date of transaction is XX/XX/XXXX by the company XXXX  ' and appears on my bank statement for 'Ally Bank ' . The company XXXX XXXX XXXX should have charged {$5.00} for the purchase of the phone each month and did authorize a cancellation, and sent me a XXXX label to return the product purchase. The company confirmed the product was returned within 14 days. The company website states a {$50.00} restocking fee for the return of a product. The company issued no bill and no receipts for the charges of {$190.00} exist. Requested statement and receipt on XX/XX/XXXX and was denied. The credit card company, 'Ally Bank ' received my dispute for statemen charges and sent a letter to confirm this on XX/XX/XXXX and again confirmed a second dispute received on XX/XX/XXXX and denied my statement dispute. Ally Bank refuted my claim and denied me protection from all parts of the unauthorized charge. XXXX refused to provide a statement and denied my request for a receipt for payments on XX/XX/XXXX via telephone. XXXX does not provide statements and receipts for these charges. Disputed Charges policy for the company were followed, as stated : " To the extent permitted under applicable law, if you disagree with a charge on your billing statement, you must contact XXXX at XXXX no later than 60 days after the due date on your billing statement or you waive any such dispute. '' Both the company and Ally advertise on their website the protections they provide. The bank, 'Ally Bank ( Member FDIC ) 'states : " Ally Bank ( Member FDIC ) guarantees that you will not be liable for any unauthorized Online or Mobile Banking transaction as long as you report the unauthorized transaction by calling us at XXXX within 60 days from when your statement is made available. '' I have used the correct dispute process with the company and the bank and was denied protection for charges not shown on any company bill, no receipts exist. The bank confirmed two disputes, XX/XX/XXXX and XX/XX/XXXX, and still has not reversed the charges and I was denied on XX/XX/XXXX. No letters exist from Ally Bank to confirm the denial. No statement or receipt from the company XXXX ' exist.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (WI)

Yes I spoke to manager that calledme a male with accent an he asked will I be making deposits like I previously did last two months ago. I agreed an he said ok he'll keep the account open an recently I was approved for {$500.00} to cover past balances an the bank altered my account first online with enrollment fraud then blocked access during loan verify then closed it an called twice blaming me. I like the account recovery with a {$3000.00} settlement for the trouble. An they wanted me to sell My falsy imprisoned brother XXXX XXXX for a {$3000.00} loan I got denied for as a result. I dont do that.
Consumer complaint received 2023-10-27
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. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-06-14
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-07-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (DC)

Regretfully, on XX/XX/XXXX, I was in an XXXX that resulted in the total loss of my vehicle. Positively, my XXXX XXXX paid Infiniti Financial Services ( IFS ) in XXXX for the portion of my unused vehicle warranty ; XXXXXXXX XXXX XXXX XXXX department is now responsible for paying the outstanding debt of {$1500.00}. As I was emailing the XXXX XXXX XXXX department about this balance, the XXXX collections department called. I told them that a check would be issued on XX/XX/XXXX, in accordance with the warranty representative. After I followed up with XXXX, who informed me that it might take up to XXXX days to receive, I received XXXX or XXXX more collection calls. Seeing that I did not receive any more calls from either side, I assumed all was paid in full. 

Moving forward, on XX/XX/XXXX, I discovered a charge-off in the same amount on all three bureauscredit reports. I called the XXXX department right away, and they sent me copies of the canceled checks that XXXX had refused to cash on XX/XX/XXXX. 

According to the latest information I received, the XXXX XXXX XXXX is only paying {$1200.00}, leaving a {$290.00} balance that is a part of the charge-off. If XXXX had stayed in contact, cashed the cheque, and told me about the remainder, all of this would have been prevented and paid in full in a timely manner. I find it incomprehensible that XXXX charged off my account instead of accepting or cashing this check in XXXX. CFPB, please help me encourage Infiniti Financial Services ( XXXX ) company to reverse the unfair charge-off that resulted from their refusal/ failure to cash the check that was actually sent on time.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OZK (TX)

Bank OZK uses bill pay for online payment options. The bill pay service states that they guarantee payment. I was contacted by the vendor stating payment was not received from bill pay. I contacted bill pay on XXXX occasions with no response. On the third contact they stated that in order to reissue payment I must stop payment but there is a XXXX XXXX dollar fee to stop payment on a check they were to issue and which they failed to deliver. this seems like an inappropriate fee for a bank that guarantees payment
Consumer complaint received 2024-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC (UT)

The XXXX payment was returned to cross country on XX/XX/year>. I attempted to call cross country today but their phone constantly takes me back to leaving a voicemail. I have left a voice mail and have received no calls back. I am unable to reach a live person, and would like to resolve this. I don't believe I should be negatively impacted since I attempted to remediate this quickly, and the company has insufficient resources to work with customers.
Consumer complaint received 2024-08-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (CA)

I was scammed by XXXX app to send cryptocurrency roughly {$5000.00} at a time for many times since XXXX until XX/XX/year>. Please see attachment for more detail.
Consumer complaint received 2024-08-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

In XXXX of 2024 I got involved with what turned out to be a multi-layered crypto currency trading platform that was advertised on XXXX. 

In the beginning, I sent small amounts of money through XXXX, XXXX XXXX, and XXXX to a platform call " XXXX XXXX '' with website of XXXX Then on XX/XX/2024 I sent to wire transactions of {$25000.00} and {$13000.00} to XXXX XXXX XXXX XXXX XXXX 

Soon after, I learned that I was a victim of a money laundering scam. Had I known, I would never have pursued this path.
Consumer complaint received 2023-04-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached for this account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please update these accounts immediately.
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (FL)

I have been a member of American Express since XXXX, i turned XXXX and retired and I ask for a credit line increase XX/XX/XXXX on XXXX I was told to send bank statement which I did XX/XX/XXXX they have substantial deposits from retirements, ssi and investments. Still after all this time they still show it pending. I think it is due to my age and having retired. My credit is XXXX, owned my home over 24 years, pay off all credit cards monthly including theirs. I am no risk, just my age.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (PA)

I got a text message claiming to be Wells Fargo from the following phone number : XXXX ( XXXX ) XXXX on XXXX, XX/XX/XXXX. The message stated the following : " Free Wells Fargo Alert : A transaction was made from your card for {$850.00} at XXXX XXXX on XX/XX/year> ( XXXX XXXX differ ). Was this you? Reply Y or N. '' I replied " N '' to the message and received a phone call from someone named XXXX XXXX XXXX I'm not 100 % sure of the last name ), who assured me several times that I was speaking with a Wells Fargo representative on a recorded line and also provided me with his 'Wells Fargo identification number XXXX as XXXX. ' He explained that someone named XXXX XXXX in XXXX, TX was trying to hack into my account and wire herself money and in order to stop this from happening, I needed to transfer my money to the representative that was working on my case. He proceeded to walk me through the steps to wire {$610.00} from my checking account and {$4400.00} from my savings account to someone named XXXX XXXX as well as an additional {$3500.00} from my savings account through XXXX to someone named XXXX XXXX. I called Wells Fargo directly on XXXX, XX/XX/XXXX and explained all of the above to a representative named XXXX, who opened a claim for the wire transactions ( not the XXXX transaction ). XXXX transferred me to a representative named XXXX, who opened a separate claim for the XXXX transaction. I am able to provide the claim case numbers upon request. I followed up on these claims on XXXX, XX/XX/XXXX and was told that both of my cases were closed and that there was no resolution available. I then received a call from my local Wells Fargo branch on XXXX, XX/XX/XXXX. A representative named XXXX XXXX left me a message stating that she had information about my claim and to give her a call back. I called XXXX back, but reached her voice mail, so I left a message. She returned my call and left me a second message stating that she had some paperwork for me to sign so that they could move my claim through to another bank. When I finally connected with XXXX at the end of the day on the XXXX, she explained that I needed to come in to my local Wells Fargo branch to sign a document so that they could ask the bank that received my wire transfer to refund me some of my money. I went to the Wells Fargo in XXXX, Pennsylvania on XXXX, XX/XX/XXXX at about XXXX XXXX  and was told that Wells Fargo could not refund me any of my money due to my having made the wire transfers. They explained that if I were to sign the paper in front of me, they could push my claim through to XXXX XXXX, which is where the non-XXXX  transferred money was allegedly transferred to. I have not heard from Wells Fargo or XXXX XXXX  since signing these papers.
Consumer complaint received 2023-10-27
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. (TX)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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 2023-07-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

hi, my bank is Citizen Bank and im there customer at lease since 2014. 
i renew my home equity loan and last month, lender send me XXXX check to pay off my credit card by mistake i deposit those check ( on XX/XX/XXXX ) to my personal account ( all check was under my name ). after that these check was refunded to lender and bank closed my account and hold all my money. 
i didnt receive any call or email regarding to the fraud issue, suddenly i received an email my account get minus and right away i put a money back. they told me my account dont have money but they didnt contact me my account is closed. 
i called the week later on XX/XX/XXXX to figure out why my online banking doesnt work and they said my account closed and they can not do anything. 
yesterday on XXXX my mortgage lender called me and said citizens took the money back from them and i need re pay them ( they told me i can pay that ). 
when i called them in XXXX time today on XXXX they told me my account under review and im not able to touch the money. still till XX/XX/XXXX ( today ) no one called me to see what was the reason and why they labeled me as fraud and close my account for honest mistake. 
to hold my money since XX/XX/XXXX and im not able take them out. 
they said they gon na send my money on XXXX. and thats take up to XXXX business day. 
if that happens they held my money for almost a month with label me as fraud.
Consumer complaint received 2024-08-06
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I am writing to formally lodge a complaint against Bank of America regarding misleading information provided to me about a debt cancellation program, as well as the unauthorized duplication of monthly fees on my account. Below are the details of my complaint : XXXX. Misleading Information : In XX/XX/year>, I contacted Bank of America to inquire about a program to cancel my credit card debt. 
Over the phone, I was informed that I could cancel my debt in XXXX installments ( XXXX for each credit card ) with a 5 % interest rate and that my debt would be cleared within XXXX years. 
The information provided was never verified in writing, and I did not receive a written contract outlining the terms discussed. 
XXXX. Unauthorized Fees and Lack of Transparency : Over the past XXXX months, Bank of America has been duplicating my monthly fees without authorization. 
When I contacted the bank to address these unauthorized charges, they refused to provide a claim number and failed to reverse the payments. 
The bank did not advise me that the debt cancellation process would significantly impact my XXXX XXXX, nor that my credit cards would be removed as part of the process. 
I have repeatedly asked for clear information regarding the length of the payment period, the interest rate, and the timeline for debt cancellation, but have not received satisfactory responses. 
XXXX. Attempts to Resolve the Issue : I have spent considerable time on the phone with Bank of America XXXX, attempting to resolve these issues. 
Despite my efforts, the bank has refused to reverse the erratic duplicated fees and has not provided a claim number for my complaints. 
XXXX Requested : XXXX reversal of all unauthorized duplicated monthly fees. 
XXXX and written documentation of the terms of the debt cancellation program, including the interest rate, payment period, and impact on my XXXX XXXX. 
An apology for the misleading information and lack of transparency. 
XXXX that my credit report will accurately reflect my credit history without undue negative impact from this process.
Consumer complaint received 2024-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NC)

noticed my XXXX XXXX dropped XXXX pts and went looking at why. 
Noticed a collection was put on my credit report, after disputing with all XXXX credit agencies, disputed with collection agency I then called the police and was instructed to file a complaint. with XXXX, who routed me to you, he said that since might have originated in different state it's a fed thing.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY (VA)

My account went in to collections and was sent by American Express to a law firm. I contacted them on XX/XX/year> XXXX XXXX XXXX XXXX ) and established a settlement agreement with them where I would pay 12 payments of {$1200.00}. I set up my first payment the day of the agreement on XX/XX/year> and it was taken out of my checking account as agreed. I asked to set these payments up automatically and was told they had to send that request in writing and then I would complete the form and send it back. I then waited over a week for the settlement agreement to arrive as well as the payment agreement form. I never received either of these items so then called back on XXXX the XXXX. I asked for these documents to be emailed to me since I still have not received them. The representative said they could only fax them so I provided a fax number. The representative told me it would take 2-3 hours to get to me. I waited over two days and the fax has still not come to me. 

This creditor/law firm is making it difficult for me to pay. They are also proceeding with a lawsuit despite my settlement agreement which I'm not sure if that is legal or not, I will take that up with my attorney and the court on the court date that is given to me.
Consumer complaint received 2024-08-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (NJ)

Dear Comenity Bank and XXXX XXXX XXXX, I am writing to formally dispute the debt allegedly associated with my account, number XXXX, that has been sold to XXXX XXXX XXXX. I request that Comenity Bank and XXXX XXXX XXXX provide validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 

**To Comenity Bank XXXX ** You have breached our agreement by failing to allow me the opportunity to exercise the dispute resolution process as outlined in our credit card agreement. I was not given proper notice or the opportunity to resolve this matter before the debt was sold to a third-party collection agency. This breach of our agreement has caused undue stress and harm to my creditworthiness. 

**To XXXX XXXX XXXX XXXX ** Please consider this letter a formal request for debt validation. I demand that you provide the following information : 1. Proof that you have the legal right to collect on this debt.

2. A complete accounting of the alleged debt, including all charges and payments.

3. Copies of any agreement that shows I am legally obligated to pay this debt.

Additionally, I hereby request that you cease and desist all forms of communication with me, except to provide the requested validation of the debt or to inform me that you are ceasing collection efforts. Any further attempts to collect this debt without proper validation will be considered a violation of the FDCPA.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX