davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC. (PA)

On XX/XX/2023, Axos Bank fraudulently with no prior authorization from me withdrew money from my other bank account that is connected to Axos account. Axos withdrew twice both consisting of {$100.00} which brought the account they took from into a negative balance. 

When reaching out to them they said {$100.00} did get transfered but the other {$100.00} withdrawal was reversed. However I never received that {$100.00} in my account they fraudulently withdrew from. Ive spoken to Axos several times and they keep telling me someone will call me back but no one ever does. 

Axos Bank fraudulently withdrew and stole {$100.00} from another of my connected accounts and leaves me with no recourse.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Today I attempted a wire transfer for an urgent purchase of a vehicle. I did the transfer correctly as instructed. Capitol one cancelled the transfer but has not refunded the money yet. Unfortunately, I need the money urgently, thus why I specifically requested a wire transfer. Calling the bank the manager told me they could not do anything to ensure money gets return promptly. I am still waiting. I opened a complaint with Capitol One and the complaint number is XXXX.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

Chase Bank, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  he has been stalking me ever since I soon found out that this person knows my life story he knew my account numbers passwords pins all because hes a cyber criminal he has done everything to destroy me he wired money through my accounts dates theres so many I notified the bank as soon as I knew he had enough to get it to my account I was assured Id be ok next thing I know Im missing XXXX through transactions with XXXX  I lost all 3 credit cards with them and Im on the hook for all the cards written above because he made sure if he didnt max them out Id have no money to pay my bill before he did all this but because chase only gave me out of XXXX in dispute money XXXX then said the rest theyd have to investigate came back told me the XXXX I was right they agreed with me but the rest I had to cover which I couldnt cover because all my money was gone soon after I lost about 8 credit cards failed payments he did around the same time but chases policy is to give you temporary credit while they investigate why out of XXXX I only got XXXX and two diffident conclusions
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (AL)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. 
XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MO)

Recently, I sent a certified letter/affidavit with a notarized signature to XXXX regarding a public record that has not been validated. Despite this, XXXX has continued to violate the Fair Credit Reporting Act ( FCRA ) by failing to provide proper validation and has ignored my previous communication.
Consumer complaint received 2024-04-26
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This would be my third complaint to the consumer finance protection bureau regarding Bank of America prepaid unemployment card. In XXXX I was living in a not so great part of XXXX XXXX after my XXXX and I was having issues with mail and everything else my debit card from Bank of America had gotten stolen a couple times, unfortunately I was going through XXXX at the time and really didn't have the energy for the XXXX hour waits on the phone etc. I filed a claim on XX/XX/XXXX XXXX some of the charges that I noticed were fraudulent, as of today 's date that claim is still pending investigation. I also have three other claims that are all pending, all three are based off of a credit card that when I called in XX/XX/year> to file a claim for fraudulent charges again, I was told that that card would be closed and or canceled immediately. The bank failed to cancel the card and let it remain open for 1 year before replacing. They're holding me liable for all of the charges despite having the zero liability policy and despite the fact that I called the card in XX/XX/year> and they had a bank error and not canceling. I inquired about the individual review process that they were doing with customers that they had harmed during the covid situation with unemployment, and I was denied multiple times because they said I did not qualify. They also told me that the cfpb and the OCC office were in charge of customer list and eligibility requirements which was not the case I learned. Bank of America has repeatedly failed to honor the enforcement actions issued by the cfpb and has been giving me the runaround for years. I received contact information from the compliance and Regulatory complaint division, and despite my multiple phone calls and email it to him so I have yet to receive a response back to date.
Consumer complaint received 2024-06-27
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: SoLo Funds Inc. (MA)

I have used SoLo Funds, for a very short period of time, as a lender ( i.e. I approve loan requests from other users, and lend money ). I have funded my " SoLo wallet '' to be able to do so. Now, I have money in this wallet, that I can not withdraw to my personal bank account. In other words, SoLo Funds does not let me get my money back. I have contacted them three times ( XX/XX/year>, XX/XX/year>, XX/XX/year> ), and tried to solve this situation with them directly. Each time, I was told my that my case needed to be escalated to a manager team. Nothing is being done.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-07-26
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. (CA)

This is my complaint for TRANSUNION. I believe that my information is being misused and reported as inaccurate. In my credit report from XX/XX/2023, I found some derogatory items that I was not aware of. I found late payments which never happened and accounts with inaccurate information, such as payment history, status,, balances, and date of last activity. According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-19
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 2017-05-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (LA)

We are having problems getting our mortgage company to release the funds that the insurance company allotted for repair of our house after the  Great Flood.  They released 50 % of the funds after we reached 50 % completion of the repairs, according to their inspection. This was after we had to get forceful with them to release that money. We have filed all the necessary paperwork to be our own contractors, due to the lack of adequate contractors or workers available to the contractors after the flood. We have gotten professionals to complete the work up until this point when it was needed, and would like to continue to do so. The problem comes in that they said our next inspection will be required at 100 % for them to release the rest of the funds. In other words, they would like us to complete the repairs out of pocket and then reimburse us?? We think the logic in this in faulty, and would like the funds ahead of time to complete the repairs.   The last letter they sent to us was stating that they had n't heard from us in 45 days and questioning why we were n't at 100 %. They said delaying on our part could cause a problem with the claim. It has been  9.5  months since the flood. There are shortages of materials and workers. Materials have been delivered damaged, or incorrectly. Nothing is moving quickly.   We are asking that the money be released to us in a timely manner, without the reluctance we have been receiving from them. If they were to look at our history of this mortgage, they would see that we have not been late on payments and we have even paid extra most months. We moved into this house 5 years ago, put a significant down payment on it at signing, and have taken good care of the house until the flood. After the flood, we made repairs to the outside of the house that the insurance did n't cover, which totalled arou nd 20,000. We are q uite vested in this house and have no intention of taking the money and running. We have taken a lot of pride in making our house our home, have all intentions of rebuilding even better than before, and do not appreciate the hoops we are having to jump through to be able to have access to  OUR  money.   In summary, we would like the rest of the money released to us so that we can make the repairs.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

I sent letters to make my personal info on my credit report be updated. Specifically, I requested my old addresses be updated or removed because I don't live there any more. Moreover, I have submitted necessary documents to show my identity and current address, respectively but TO NO CHANGES AT ALL. 
I also submitted a complaint on FTC about this matter.
Consumer complaint received 2024-06-10
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. (IL)

I have been having the same problem for a long time with Transunion. The account in question is XXXX ( XXXX XXXX XXXX ) and even after multiple attempts disputing this account they keep saying it is valid. When XXXX and XXXX could not do the same and deleted the account off my credit report. When asked to show their proof they never do. As a consumer I have the right to dispute inaccurate information and I have the right to say what should be on my credit report. I feel as though I have lost faith in transunion as a consumer reporting agency because they refuse to do their jobs for consumers like me. It would be in their best interest to remove this account within XXXX  days or I will have to take this a step further and sue for {$1000.00} per violation of my consumer rights
Consumer complaint received 2024-06-08
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. (CA)

Negative reporting from furnishers of credit were not authorized by me. I have been derailed and deceived by their outsourcing employees. There's is no resolution in dealing with the ignorant people at XXXX who continue to robotically repeat the same tactics of stalling and deliberate and irresponsible reporting that has hurt my financial situation and has affected my employment as a government agency employee. I will be contacting an FCRA attorney for enforcement however I desire the CFPB to follow up with these predators.
Consumer complaint received 2024-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc (TX)

XXXX XXXX was never the initial debt XXXX for the debt that was owed. I was sent a letter by XXXX XXXX XXXX back in XX/XX/XXXX that I owed XXXX. I was never notified by XXXX XXXX by mail or phone about them taking over this collection, even then, I tried to dispute XXXX XXXX XXXX in XX/XX/XXXX because the insurance company already paid the original creditor the " debt '' that was owed with a check on XX/XX/XXXX which the original creditor claimed they spoke with the company and told them that the account is closed. In disputing this debt again, they reported to the disputing company that the amount was verified prior to actually verifying with the original creditor. I was told instead that they placed my account on hold after the fact ( of the dispute ) and are waiting for the original creditor to respond to them about verifying the amount owed.
Consumer complaint received 2024-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC. (NJ)

Received a text message ( XX/XX/year> ) as following : This text is from Halsted Financial, a debt collector regarding your XXXXXXXX XXXX XXXX XXXX. account. Visit XXXX XXXX XXXX XXXXXXXX. Report stop to opt-out or call XXXX. # of messages varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose.. Reply STOP to opt out. 

So I clicked the link and it asked for my last 4 digits of my SSN. I gave it. Then it shows me a phone number to call. I called, a person asked if I know " XXXX XXXX '', I said no. Then he said it was a mistake and hung up. Then I realized, it is a scam because I don't think I have debt. Except medical co-pay one doctor didn't send me for several XXXX visits. I didn't get bill. I thought it might be that and tried to find out. 

The real name or the scammer might be hidden under the URL given in this message. So I don't know if Halsted Financial is the scammer or it was hidden under this company.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX I applied for the United Airlines Travel Credit card through chase bank, at which point my application went to a review status instead of receiving an approval or denial. 

I called to speak with the Chase after receiving that status, and was told they had no details at that point in time as to the review or why it occurred. 

On XX/XX/XXXX, I called back and requested to withdraw the application instead. I was told that it was with the review team but that a withdrawal note would be logged with the team to terminate the process. 

On XX/XX/XXXX, instead I got an email from chase that my card was now approved and the account was opened. I called chase credit card support and spoke with the support team, notifying them of the previous phone call, and the confusion regarding my request to withdraw the application, yet them still opening the accounting. 

That same call I was told I can still cancel the application, which I asked to do so. 

On XX/XX/XXXX, I received the card in the mail, and called chase support again, for them to only explain that they dont know why this occurred, and unable to remove the card from my online account or online banking portal. 

At this point, they have opened an unauthorized account in my name and refuse to explain how or why this happened, despite two different phone calls by me asking to withdraw and cancel the application, and them confirming they would do so.
Consumer complaint received 2024-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc. (MA)

On XX/XX/XXXX I had paid amount owed to enterprise of {$75.00}. 

I was given a remittance ID Remittance ID XXXX I was contacted by First financial asset management corporation as well on XX/XX/XXXX and informed them by email the same day that I had paid and provided the confirmation number of payment for XXXX. 

I received further communication on XX/XX/XXXX asking me to pay again. I responded that I had already told them on XX/XX/XXXX that I had paid this debt and again provided the confirmation number. 

On XX/XX/XXXX further communication was made demanding payment for the debt or asking for further confirmation. This is not my responsibility. This debt has been paid, but for reference I am providing it below for the CFPB. 

Remittance ID XXXX Received XXXX Payment status COMPLETED Citation Number XXXX Rental Agreement Number XXXX Renters full name XXXX XXXX XXXX XXXX XXXX Currency USD Transaction type XXXX  Approval code XXXX Card information XXXX XXXX XXXX XXXX This is beyond inappropriate to continue to be contacted. I called the debt collector and informed them ( I spoke to XXXX XXXX ) that not only would I not want to hear from them ever again and considered this harassment but I would appreciate a written confirmation that this issue is resolved. They refused to provide this.
Consumer complaint received 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (PA)

On XX/XX/2018 I mailed XXXX 's Card Payments a letter and a check in the amount of {$850.00} ( check number XXXX ). The letter was a contract that outlined an agreement that upon cashing the check, the account shall be settled as paid in full, agree to remove any and all derogatory reporting from all credit bureaus including XXXX, XXXX and XXXX, all collection attempts and activities cease and if contract is dishonored or violated they agree to compensate me. On XX/XX/18 the { {$850.00} } cleared my checking account. On XX/XX/2018 I called XXXX 's and spoke with Manager Assistant XXXX rep ID XXXX because I had received a letter from Citi Bank XXXX XXXX PL card, stating that they were unable to process my request, as they did not reflect that I had authorization to receive information on this account. Rep XXXX was able to locate my account and check ( which I also forward her a copy of completed deposited check via email ) and stated that my payment was not created to my account. She assured me that she would handle it. I also asked regarding the contract to be adhered to. Attached is a copy of the letter and cashed check that was sent. To this date, I have not seen an update of removal from my credit report regarding this account. XXXX 's is in breach of contract and has violated the terms of the agreements.
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FIRST PORTFOLIO SERVICING INC (TN)

On XX/XX/2023 I requested in writing proof of debt. My information was involved in the XXXX XXXX XXXX. Claim # XXXX. First Access XXXX did not send anything one letter stating was valid account. I have not received copies of anything.
Consumer complaint received 2024-07-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BMO Bank, N.A. (TX)

I was never notified that my travel trailer loan sold from Bank of the West to BMO.

My auto draft was cut off and I didnt know it wasnt being paid. I made every payment for 6 years auto pay. Never thought twice about it. Then starting getting calls from BMO and they said they needed to take to me. I dont bank with BMO so I thought they had wrong person. Never thinking it was my trailer loan. XXXX months after no payment they finally tell me interest urgent and they need to talk. I answer and they wont move payments, they dont have any kind of program to help and they said make payments XXXX times amount. I was going thru a divorce and I was learning my new budget. I made a payment then XXXX payment of XXXX? wasnt accepted but I got confirmation number then in XXXX paid XXXX and got confirmation, but money was not pulled. 
No voicemails saying anything. 
I finally get ahold of someone, after a month and an half calling and leaving messages, that they have closed my account and sent trailer to reposition. I learned my payments they said were being blocked but I had confirmation numbers. They lied and said I was already a high risk delinquent account from bank of the west and that I was already in their collection protocol when they bought the loan. I was a model loan customer never missing a payment or deadline. 

The only thing they said now is I have to come up with XXXX dollars to get loan back on track. Or they will repo it. I should just be able to restart payment and keep my trailer.. 
BMO has had terrible customer service and they should send a verified signature required letter with notification of sale and release of auto pay and new payment method and book before the sale goes thru.