davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (VA)

On XX/XX/XXXX, I saw a listing in XXXX XXXX for a vehicle. It was listed under to account of someone that I knew from school. Her XXXX accout got hijacked in XX/XX/, she reported the hijacking but XXXX did nothing. The Hijacker stated posting listings in XXXX XXXX corresponding to that of someone who would be downsizing. I saw a listed vehicle and contacted who I had believed was the account owner but it was the hijacker. The hijacker told me that the car could be held from being sold to anyone elseupon receiving an electronic transfer deposit. I used Zelle via Bank XXXX XXXX. The hijacker indicated that Zelle payment needed to go to XXXX XXXX, XXXX. The hijacker sent me a strange response in a unknown language and at that point I knew fraud had occured. I reported the issue to Bank XXXX XXXX, Zelle and FBI Internet Fraud Center. I also contacted XXXX support about the fraud activity on a hijacked account. The hijacker reposted a new listing for the same car today. It appears that nothing is being done for this issue at any level. Zelle was non-commital on the report.
Consumer complaint received 2024-04-14
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. (CT)

An account with XXXX  was opened using my information years ago, I reported it to the credit card company, the credit bureaus, cfpb, and my state attorney general and it got removed. It is now showing up BACK UP on my report and NEEDS TO BE REMOVED IMMEDIATELY. This account is fraud and transunion is in violation YET AGAIN 15 U.S. Code S 1681c-2. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY. 

I AM CONTACTING MY STATE ATTORNEY GENERAL, CFPB and logging ALL POSSIBLE COMPLAINTS AGAINST XXXX CARD AND TRANSUNION. REMOVE THE ACCOUNT TODAY.
Consumer complaint received 2023-05-05
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Credence Resource Management, LLC (CA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (WI)

On XX/XX/XXXX I left for a work related trip and hired a house sitter through a XXXX add to check in on my home while I was gone as I would be gone for a week and didnt want to leave things completely unattended. Her reviews were good and it appeared that she checked out so I felt comfortable with our agreement. While I was gone she had hacked into my XXXX account and used my Discover card to make XXXX different XXXX orders. These order were delivered to my home where I am assuming she collected them. When I got back from my trip I discovered my house an absolute disaster and many of my belongings gone through. I then discovered that she had made the purchases and called Discover right away to report the unauthorized transactions. I also sent report of this to XXXX as well. I called Discover on XX/XX/XXXX to find out if there was an update about my case because I saw the charges had been added back onto to my credit card and I was waiting for them to send out a form to sign verifying that these transactions were unauthorized. I was told by the employee that this was just because the case had been moved to a closed status and I would see the final credits be posted to my account and not to worry the matter had been settled in my favor. I called back a week later to see when those credits would be posting and was told that they wouldnt be because discover denied my dispute. I spoke to another employee who explained to me that they could send the case to be evaluated again and that the reason that it was denied was because the purchases were made using my XXXX account and since they couldnt prove XXXX made a mistake they couldnt dispute it. I provided an email that was sent from XXXX on XX/XX/XXXX confirming that there was unauthorized access to my account to support my case. I called back on XX/XX/XXXX to verify where the case was standing and they told me I was again denied because the email I sent to support my case was so much later than the instance. I was denied the right to see the documents that they used to make their decisions and stated all they could send was a letter explaining the reasons. They also denied my the opportunity to sign a written dispute confirming authorized transactions were placed on my card. During one of my conversations they had admitted that they had received credit back for some of the transactions and they failed to pass any of that on to me.
Consumer complaint received 2024-02-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (LA)

I've missed my payment due to being sick. This company had been harrasing me for weeks. They sent men to my house and banged on my door multiple times after I told them not to come back the first time, all of which is on my camera and recorded. Now they are harrasing me at work they have been calling multiple times after they were asked to stop. I have told them do not call me at my work place and harrass me and I have got my HR department involved. They can not call my work and tell my business and ask to speak toy supervisor, this has to stop now...
Consumer complaint received 2024-01-03
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I purchased an electric hot water system from XXXX XXXX XXXX, using my Home Depot card. I paid for the whole project costing {$5.00}, XXXX as XXXX XXXX XXXX reported that Home Depot requires all the money before installation. The project was not completed until XX/XX/XXXX. 
This was a special purchased advertised as 12 months interest free. 
So I requested that the purchased date be changed to XX/XX/XXXX as this was the date I actually was able to use the system. This was requested of XXXX XXXX XXXX, Home Depot, and Citibank. XXXX XXXX XXXX  had referred me to Home Depot and Home Depot told me to talk with Citi. 
On XX/XX/XXXX, Citibank said that they would extend the 12 months to 18 months. They sent me a letter to extend to the 18 months. On XX/XX/XXXX, I call Citibank to inquire about the interest free period. If I don't pay the full cost on the Credit card, I will have to pay interest for 18 month, not 12 months. 
Citibank wants me to call back Home Depot to change the installation date. I am going in circles and nothing is being resolved. 
I am merely requesting that Home Depot/Citbank honor its contract of 12 interest free if paid within that period to start the day the job was completed, and not having to be responsible for possibly another 6 months of interest.
Consumer complaint received 2023-11-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AZ)

In XXXX, I signed up for a CareCredit card to fund the XXXX of a pet. The first six months of payments are interest free. 

When I received my first statement in XXXX, I noticed a PYMT CARD SECURITY charge. I wasnt sure what the charge was for and didnt take action until XXXX when my statement again showed this fee. After doing a bit of research in credit card forums, I discovered that others have run into this same issue with CareCredit. It seems that despite my never consenting during the credit card sign-up process, the company is sneaking in a 1.6 % fee on the outstanding balance. 

Inside the CareCredit app, I navigated to the contact via chat section. I asked to remove payment card security and the chat bot responded with an automatic message telling me to a call an XXXX number to remove the charge. The XXXX number included an automated voice that asked me to enter the CareCredit card and to proceed with ending the 1.6 % charge. Within the week, my CareCredit reflected the fee being refunded to my account. 

Overall, I am satisfied that the money was returned and the process for getting it back was relatively simple. However, I am disturbed that the hidden fee was applied in the first place. I dont remember consenting to this, and I never received any information for opting out either. People in the forums were mentioning in their experience me that they couldnt get the money back after 90 days of opening their CareCredit account. Luckily for me, I was still inside the 90 day window.
Consumer complaint received 2023-11-17
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

Recently, I discovered discrepancies and unauthorized charges on my accounts, which have led to an inflated balance that does not accurately reflect my financial responsibilities. Upon thorough inspection of my account statements, I have identified AMAZON STORE CARD that I did not authorize or recognize. It is evident that my accounts have been compromised, leading to these charges. 

I want to emphasize that I do not owe the current inflated balances on my accounts. 
I am kindly requesting your immediate attention to rectify this matter by removing all unauthorized ACCOUNTS FROM COLLECTIONS. It is crucial that my accounts reflect only the legitimate and authorized transactions that align with my financial activity. 


I understand the gravity of this situation and the impact it can have on my financial stability. Hence, I am diligently working to secure my identity prevent any further unauthorized access. I kindly ask for your cooperation and support in this matter to expedite the process of resolving these discrepancies ' am committed to providing any necessary documentation or information to assist in the investigation and correction of these unauthorized charges. 

I sincerely appreciate your prompt action and attention to this urgent matter. Please confirm receipt of this letter and provide me with the necessary steps or procedures to resolve this issue at your earliest convenience. 

Thank you for your immediate attention to this critical issue. 

XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings (TN)

I made a loan from XXXX XXXX XXXX XXXX XXXX  on XX/XX/2021. I paid this loan in full and several months later received a bill charging more funds on this loan. I have the loan document stamped PAID IN FULL. I do not owe additional monies.
Consumer complaint received 2023-11-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Someone made a wire transfer to someone that banks with XXXX XXXX XXXXXXXX. We do not know anyone that Banks with XXXX because we all bank with Chase. THe amount that was transfered was {$8000.00} on Claim # XXXX. Online Domestic Wire Transfer VIA XXXX XXXX XXXX A/C XXXX XXXX. We have no idea who this person was or is. Chase said that they could not do anything because it was done in the same routing area from my son 's telephone number. Chase keeps giving me the run around and they can't seem to have their story straight. THey say its XXXX and XXXX says that they are just waiting for a letter of agreement from the bank. I don't know what else to do. I send out letters to chase weekly and have not heard back. I feel that at this point they are just ignoring.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (SC)

Someone opens a line of credit using my information on XX/XX/2022. 
The line of credit was opened with SYNCB/PAYPAL, thus incurred a hard inquiry and credit limit of {$3900.00}. 
I've contacted XXXX about that fraudulent activity in which they said a dispute and a report to the fraud department will follow.
Consumer complaint received 2023-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC (IL)

I purchased my newly built townhome in XXXX. This XX/XX/XXXX, my mortgage company Amerihome Mortgage increased my monthly bill by {$1300.00}, claiming my tax property increased. This does not make sense and after some researching, I've found out that the tax was for the whole building and not for my one unit out of the four. Basically they are saying that I have to pay a XXXX sq feet townhome unit a tax of {$16000.00} for year XXXX when it was supposed to be a quarter of that. They made me called my county and I did and the county provided me with a new parcel id in pdf form and corrected my tax assessment. However, my mortgage company until now is saying that they've already paid about {$8000.00} in tax ( semi annual ) and that they have called the county who can not provide the correct tax amount and that they needed proof ( which I already provided with the pdf that the county sent me ). I did not pay my XXXX bill because they are supposed to be investigating and it is in the late payment status which I fear will affect my credit. They are not giving me a time that it will be resolved and that it has been causing me a lot of stress and XXXX. When I asked them why did they just pay my tax without thinking how insane the amount is, they said it is required by law of what was bill to them. I don't understand why they would pay on my behalf if my finance is not in their best interests and that they do not do any due diligent to before paying my property tax and now forcing me to pay the amount that they've made a mistake on.
Consumer complaint received 2017-11-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC (TX)

My name is XXXX XXXX date of birth XXXX/XXXX/XXXX last four of my social are XXXX. I got a letter from a company regarding a debt owed for XXXX. I mailed out a letter to this company on XXXX/XXXX/XXXX requesting verification and validation of debt and to this day this company has not responded. I also informed this company I was disputing this debt and yet it had not reflected as such on my credit report. I sent this letter certified mail return receipt request and it was received on XXXX/XXXX/XXXX. This is direct violation of the FCRA and the FDCPA section 809 a and b. I will be seeking legal counsel to protect my rights and seek actual and statutory damages against you and your client. My credit rating dropped 70 points which has caused me XXXX XXXX XXXX. This could have been avoided if you would have followed the laws and not violated my rights. I am demanding proof this debt is mine. Something with my signature agreeing to pay this debt. I also want an itemized listing of what these charges are for. You are also an out of state collection agency and you must be bonded to collect in my state. I will be following up to ensure your surety bond is up to date.
Consumer complaint received 2024-02-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Not only will they not work with me but it was predatory lending which was initiated by XXXX. Also I just paid {$1200.00} or so payment ( it was late etc ) but only {$7.00} went to the principal. At this rate Ill never pay it off.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid 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: Paypal Holdings, Inc (TX)

I paid XXXX XXXX XXXX for a premium website. XX/XX/2022 XXXX XXXX timetable was 30 days for a website. 
In XXXX, they stop talking to me on the phone and email. 
I inform PAY-PAL, about two after the call to Pay-Pal XXXX XXXX, called on the phone and email about draft, them would be sending me and they did, but it was bad.it had more quesstions.. after the draft, they stop talking to me I inform PAY-PAL PAY=PAL telling me didn't follow the right steps this a lie
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

Here are the most recent charges ( I've requested my statements from previous years in which this has occurred ) : In XXXX, Bank of America again cancelled my autopay despite my regular use of my credit card. I've since accrued these charges because of their erroneous cancellation : Interest charged on purchases : XX/XX/XXXX - {$15.00} Late fee for payment due : XX/XX/XXXX - {$25.00} Interest charged on purchases : XX/XX/XXXX - {$3.00} Interest charged on purchases : XX/XX/XXXX - {$5.00} Late fee for payment due : XX/XX/XXXX - {$25.00} I called Bank of America a few weeks ago because of this issue, and was connected to a customer service representative who shared screen with me and noted that my autopay option has indeed disappeared for me as a payment option. She was not able to help me or reverse fees at that time.
Consumer complaint received 2017-11-04
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: Mercedes Benz Financial Services (MS)

On XXXX XXXX, 2017, I had been approved by XXXX XXXX to buy a vehicle. I took the information to XXXX XXXX of XXXX to buy a car. Instead of them using the information that I brought to purchase the vehicle, they ran my credit to other finance companies to get my car loan even thou they said, these inquiries would not effect my credit but, it did effect my credit. I attempted to refinance or get a heloc from XXXX and those hard inquiries have heavily decreased my credit score and hindering me from getting the best interest rates that I got on my original home loan of 3.5 %. I want these inquiries removed from my credit file. I have been 100 % good at paying my bills and attempting to improve my credit score in good faith.
Consumer complaint received 2017-11-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Wire instruction to send money toanother bank were not followed. Beneficiary never received the money. Bank did not notify me that it had not sent the money. Money was debited at time of instruction from my account. I instructed Bank to cancel the wire and credit my account. Money has not been credited back to my account for almost 1 month now. I am in contact w branch amd service rep but no substantive updates are given. Amount is $XXXX. I need money back and Bank is saying they are not able to credit interest during the missing 1 month period. I need the $XXXX back in my account ASAP.
Consumer complaint received 2024-02-22
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 (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want this deleted these inquiries delete because I didnt authorize these companies to run my credit this fraudulent
Consumer complaint received 2024-01-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: MoneyLion Inc. (KS)

I got behind on paying MoneyLion and so my wife took over, and settled my balance with moneylion to close and remove, but instead they kept it open, sent it to collections, and is refusing to take payment to get rid of it once again without opening a bank account with their company, just to end up in the same situation with said new account.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

Unauthorized charges were made to my checking account by 4 vendors at XXXX XXXX in XXXX on XX/XX/23 and XX/XX/23 : XX/XX/23 XXXX. {$1300.00} XX/XX/23. XXXX. {$3100.00} XX/XX/23. XXXX XXXX XXXX. {$700.00} XX/XX/23. XXXX XXXX XXXX. {$700.00} XX/XX/23. XXXX XXXX. {$1400.00} XX/XX/23. XXXX XXXX {$26.00} XX/XX/23. XXXX XXXX. {$400.00} XX/XX/23. XXXX XXXX. {$1500.00}
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : Account name : XXXX XXXX Account number : XXXX Account balance : {$100.00} Date XXXX