davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (CA)

This loan was paid off via a gap insurance check in XXXX of 2023 and then another loan payment was taken from my bank account. I never received a final statement, as the company revokes access to ALL statements once the loan has a {$0.00} balance. I have requested dozens of times over the past 6 months via their customer service email and phone support and have been told that it flat out would not be provided to me by one person, and then several individuals, including members of management, have promised I would receive a payment reconstruction showing the balances that never arrived. They keep sending the same document, even going as far as to print it out and mail it, that just shows my monthly payments, with no helpful information as per my request ( I am not sure it means anything at this point, but this is the latest " case number '' involving my final request : # XXXX ). I am not sure if this company is lazy or shady, but it is absurd to refuse their customer access to rightful financial account information.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (NV)

I have been a victim of identity theft for the past couple years. Someone has open up fraudulent accounts with this company in my name.There have been Fraudulent Items being reported to my Credit Report. The following account SCHOOLSFIRST FCU ( Account Number : XXXX ), Date Opened : XX/XX/year> Balance {$5700.00}, SCHOOLSFIRST FCU ( Account Number : XXXX ). Balance {$1000.00}, SCHOOLSFIRST FCU ( Account Number : XXXX ). Balance {$0.00}, SCHOOLSFIRST FCU ( Account Number : XXXX ). Balance {$440.00}, SCHOOLSFIRST FCU ( Account Number : XXXX ), Balance {$1400.00}. I have never had an account with this company. Cease the reporting of the fraudulent item being reporting immediately. I have attached a copy of my FTC report along with a copy of my ID.
Consumer complaint received 2023-02-16
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. (UT)

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (PA)

I initiated an ACH cash transfer from my checking account at XXXX XXXX on XX/XX/XXXX to my savings account at Discover. Discover shows the cash received by Discover on XX/XX/XXXX. However, Discover shows that the cash will not be available to me until XX/XX/XXXX - XXXX business days AFTER Discover receives my cash. XXXX cash transfers between XXXX XXXX generally settle and are available between XXXX Business Days after receipt. When I called Discover, the representative was unable to provide a satisfactory response to this question. I need to understand this delay before continuing to do business with Discover. 

Thank you for your assistance.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

The issue stems from a {$5000.00} deposit transferred on XX/XX/year>, from my Citibank account in New York to the XXXX brokerage account. The purpose of this transfer was to credit funds to my sister 's account, which is held at XXXX XXXX Bank. However, despite numerous attempts to resolve the matter over the past month, the funds have neither reached their intended destination nor been returned to my Citibank account. I call three parties non stop explaining the issue, but they assume I was doing a fraud which I was just trying to solve this issue.
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NY)

This is the follow up from XXXX. 

There was a {$200.00} charge card with American Express I was unable to use at any large American ecommerce retailer - XXXX, XXXX, XXXX, XXXX, etc. due to " security measures ''. 

They refunded me {$130.00}, and did not reply to my inquiry as to why they deducted {$66.00} due to their faulty product not being usable.
Consumer complaint received 2024-06-14
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Continental Services Group, Inc. d/b/a ConServe (LA)

XX/XX/XXXX I was talking XXXX, Me and Conserve agreed to a payment arrangement. 

We agreed on two payments. 

1st payment. {$110.00} on the XXXX of XX/XX/XXXX payment. {$230.00} on XXXX of XXXX. 

. 


I called yesterday on XX/XX/XXXX I was speaking to one of the representatives and I was trying to make an early payment of the 1st payment. I made the first payment and she kept telling me that she needed to send documents for recurring payment for me to sign for the second payment and I was like nah. So I gave her my bank information for the second one so that the second payment can be completed on the XXXX OF XXXX. I wake up today and saw that the ACH payment was sent last night and now that's leaving me with {$23.00} in my bank account. 

So I Talked to the supervisor today and she said she was going to reversed the second payment but I don't trust that at all and I'm going to be filing a dispute with my bank.
Consumer complaint received 2024-06-14
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: B9, Inc. (CA)

I had a charge from XXXX for a hotel reservation that the hotel fid not honor and instructed super.com not to charge me for but they did anyway. I ended up having to file a dispute and had to wait over 2 weeks for my funds to be return to me and when they were returned they didnt post them like they should have, they held on to the money holding it untill my advance was due so they could just keep my money. Had the money posted like it was supposed to and like the ledger shows I'd a had my money. Instead I've been broke all month waiting on a refund for no reason because I knew they were gon na pull this XXXX and I even mentioned it to then and they instructed XXXX to just give it some more time instead of insuring the refund posted when it was supposed to
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

Please Remove all Fraudulent accounts as I have no knowledge of these accounts due to the XXXX data breach/ Identity theft. All is being investigated by the FTC.
Consumer complaint received 2024-06-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (TX)

Sunrise Credit Services is Reporting fraudulent inaccurate information on All of 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
Consumer complaint received 2024-06-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

PayPal often codes everything as an AUTOMATIC PAYMENT. Then they refuse disputes because they were " automatic '' I was charged for a supposed subscription on XX/XX/XXXX under company name XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX states there are many complaints for this company, especially thru PayPal. This is from Paypal XXXX XXXX XXXX  against XXXX XXXX XXXX XXXX XXXX XXXX  I have a recurring charge from a company I never heard of. I have no idea what I am paying for. Have tried emailing in the past to cancel with no response. What do I do?? 
Disputes & Chargebacks XXXX people had this problem. *** This is coincidentally the date of my first charge ), I was charged again on XX/XX/XXXX. This time the amount, without explanation was XXXX and the company billing me was XXXX XXXXXXXX. PayPal closed my dispute request. CASE ID XXXX I currently have an outstanding negative balance of the XXXX with Paypal, which will soon affect my credit.
Consumer complaint received 2024-06-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2024, I attempted to purchase a puppy through a listing on XXXX. I contacted the sellers, who initially seemed legitimate and responsive. After agreeing on a price, I sent {$150.00} via a payment method they specified to secure the puppy. However, once the payment was made, the sellers became unresponsive. They changed their contact number and name, making it impossible for me to reach them. Realizing I had been scammed, I immediately reported the incident to my bank, Wells Fargo, requesting assistance in recovering my funds. Despite providing all necessary details and evidence of the fraudulent transaction, Wells Fargo has not taken any action to resolve the issue or help me recover my money.
Consumer complaint received 2024-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I've made repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have had a severe impact on my life, generating substantial stress and worry. I must emphasize that I never authorized this information to be linked to my identity, as I am a victim of identity theft.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

After reviewing my XXXX, XXXX and Equifax credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MI)

I opened a Chase Freedom credit card in early XXXX. The credit card came with a 0 % APR offer that ended in XX/XX/XXXX. I set up auto pay for the statement balance like I do for all of my credit cards and was not initially planning to take advantage of the 0 % XXXX offer. 

I had a large expense charged to the credit card in XX/XX/XXXX. I was advertised a My Chase Plan that would divide the charges payments over any time frame I requested and if the plan was complete by the time my 0 % XXXX offer was over, I incurred no fees, so I decided to do it. My first issue is that in doing so, Chase changed my auto pay to the " Interest Savings Balance '' which is basically just the lesser of my minimum payment or my chase plan amount and the rest of the card doesn't get paid off. After realizing what happened, I decided to take advantage of the 0 % APR and allowed Chase to pay the near-minimum payments until the intro APR ended. 

On XX/XX/XXXX I received a statement with a XXXX balance and a message that said, " Your next AutoPayment for {$19000.00} will be deducted from your account and credited on your due date ( previous day if your due date falls on a Saturday ). Any payment or other credit posted to your account prior to your AutoPay payment being processed will be deducted from the AutoPaymenXXXX amount identified above. '' I called to confirm that my next auto payment would pay the full balance and a representative confirmed. The due date was XX/XX/XXXX. 

I moved the money required from a high yield savings account to the Chase checking account that is linked to my autopay a week ahead of time. Instead of the full statement balance, Chase 's autopay paid a different amount ( {$190.00} ), which was slightly higher than the minimum, with no explanation. 

On XX/XX/XXXX after seeing what had happened, I called Chase again to try to understand. They told me that since my intro APR had not expired until XX/XX/XXXX, the interest saving balance paid the minimum even though that is not what the statement said. They also said if I didn't immediately pay the full XX/XX/XXXX statement balance that had been generated after my XX/XX/XXXX payment, I would be charged interest on the new full balance. I tried to explain that that makes no sense as I've never heard of a credit card charging interest on a balance before a bill is due. 

My main complaint is that Chase 's My Chase Plan and the way they handle auto-payments is predatory and makes it so that even a person like me who has called several times and had autopay turned on to avoid interest charges will ultimately pay them. In addition, their statements contains messaging that is plainly false. The bank has no customer service ability to deal with these issues since most of the people I spoke with don't understand how credit card interest works and gave me conflicting information about what would or would not result in interest charges.
Consumer complaint received 2024-06-14
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 (OH)

PayPal closed my account and held my cash of total sum ( {$300.00} ) since XX/XX/year> for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be because all my registration details were correct, And I have not been able to get help from them for months. But I just remembered I could file a report here as I feel they are not doing their job properly and it is affecting a great deal as I used PayPal quite frequently. My Email Linked to the my PayPal account is ( XXXX ) Thanks.
Consumer complaint received 2023-04-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services (TX)

I purchased a certified pre-owned Mrecedes-Benz XXXX XXXX in XXXX of 2022, added onto the cost of the vehicle was a prepaid maintenance package that cost {$3100.00}. In XXXX of 2022, someone pulled out of a XXXX parking lot and took the front nearly off of my vehicle. The vehicle was deemed a total loss. I never got to use the maintenance package whose sole purpose was to take care of Mercedes-Benz recommended/routine maintenance such as oil changes and transmission servicing for a period of 3 years from date of purchase. I had no issues with the vehicle besides a window being vandalized while parked on my street that was quickly repaired at Mercedes-Benz . Upon my attempt to cancel this prepaid maintenance package I was told it was non-cancellable, that it could be transferred but not cancelled. I explained I never got to use it, therefore it was not in effect yet, such as with the extended warranty I was refunded for. Mercedes refused to issue a refund for the service package.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (NY)

Transworld Systems appears as a collection account on my credit report with a status of open and a past due balance of {$660.00}. 
Due to the fact that a collection account should never reflect any open/past due balances and Ive never entered into any contract ( written nor verbal ) with this company, I am requesting to please have this account removed from all of my credit reports immediately.
Consumer complaint received 2024-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CO)

I received notice on XX/XX/year> that the mortgage on my rental condo would be transferred from XXXX XXXX XXXX to NewRez and that no action was required on my part. The escrow statement dated XX/XX/year> shows an anticipated charge for hazard insurance in the amount of {$5500.00}. However, the hazard insurance on the condo is paid via the HOA. The {$5500.00} is the amount of hazard insurance for my single family home. The loans for both of these properties were transferred from XXXX to New Rez. I discovered that one of these companies had incorrectly charged the hazard insurance for my single family home to the escrow account for the condo. I have contacted NewRez multiple times, via phone and their online email service about this matter, explaining their mistake and requesting that they make the correction. They have increased my mortgage payment to cover what they show is an arrears in the escrow account. I have provided NewRez proof that I am current in my HOA payments and that the HOA has paid the hazard insurance. 
I'm not sure what else to do. I don't want my credit dinged or the condo to be sold to cover I debt that is bogus.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PayTomorrow, LLC (NV)

After applying for a Mortgage, my Lender and I noticed late Payments on paytomorrow account. I filed over XXXX disputes with XXXX  from approx XX/XX/XXXX thru XX/XX/scrub> 2024. Each time coming back as being reported accurately. And No Change to Credit Report. Finally got a XXXX XXXX to provide me with a letter stating the account as being reported by XXXX was not reflective of the information they have on file and actually account was never late and paid in full early.
Consumer complaint received 2019-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (MI)

My earliest e-mail regarding this problem is dated XX/XX/2019 and the same problem has persisted until the present, unresolved. At that time I was being blocked out of XXXX service for an incorrect password, even though I had not changed my password ( seriously I did not change it, I stored it in a password manager and used it repeatedly before this date ). 
The same instructions were given to me on two separate weekends. They were modified to correct the login URL on the third weekend ( changed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Regardless of the login URL, I was to use the password reset link after pressing the " forgot password '' button. I received these instructions via phone ( after HUGE holds ) or e-mail. The instructions were of to no avail because the password reset email was always sent to me AFTER the 15 minute deadline. Attempts to use it to log in to XXXX would result in a message about a URL token being invalid. I tried this yesterday ( XX/XX/2019 )  twice and received the password e-mail late, TWICE. 

I can not log in to XXXX and Experian will not help.
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MD)

My recently active American Express credit card # : XXXX My name : XXXX XXXX The offer is : will get XXXX miles if I spend at least {$3000.00} within 3 months. 
I did it within 3 months and spent $ XXXX. But AX declined the offer and didn't explain any reason -- -no any written notice, no any call. 
This is an absolutely scam. I need AX send me a letter to explain it.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (AP)

I received a copy of my credit report and found the following item to be errors. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will re-check these items with the creditor who has posted them. Please remove any information that the creditor can not verify. With that said, I have formally disputed the item above with the debt collector, there is no account that I owe any money! If the original creditor or debt collector verify any information to you during your investigation, please advise me how you verified information of this inaccurate account and provide me the name of the person you verified the information with! I will need this information to pursue legal action including initiating formal complaints to the state attorney general, better business bureau and Federal Trade Commission. I am currently in the process of buying a home for my family.
Consumer complaint received 2023-04-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (NC)

Dear Sir/Madam, I am writing to dispute the repossession and sale of my 2022 XXXX XXXX XXXX XXXX I never received any notice that the vehicle was going to be sold, which is a violation of my rights as a borrower. 

According to the Uniform Commercial Code, a creditor must provide a borrower with notice of the sale of a repossessed vehicle. The notice must include the date, time, and place of the sale, as well as a description of the vehicle and the amount of the sale proceeds. However, I did not receive any notice of the sale of my vehicle. 

Because I did not receive notice of the sale, I was unable to attend the sale or bid on the vehicle. As a result, I was not able to protect my interests in the vehicle.