davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I paid XXXX $ to by a kitten online and the person was fraud and he did send me kitten after hot the money I opened the dispute with my bank citizens and they just closed the dispute without give me credit on fraud transaction
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (TX)

I opened a new checking account with Wells Fargo in XXXX of 2023. 90 days after depositing at least {$500.00} I was supposed to receive a {$320.00} promotional bonus. I never received the bonus and no explanation was provided for why. The agent could only tell me the promotion was not available for my account even though I opened the account using the promotion code provided.
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc. (IL)

I purchased an outdoor cleaning product thru XXXX back in XX/XX/. On XX/XX/XXXX the company provided information to XXXX who passed it on to the consumers of a health and safety hazard with the spray handle from the US Consumer Product Safety Committee. I contacted Avant on XX/XX/XXXX and requested for them to refund the purchase for this product due to this product issue and they refused to do so stating it was past the 60 day deadline. I repeated myself and told them that an exemption should be made since it was for a product that was found unsafe to use. The amount for approximately {$70.00} which is not a small amount for this product.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a HELOC and there is a sub account, the payment is to be one payment, they split it into 2 payments, I paid & there is payments shown but they have reported me for being late in XX/XX/XXXX & now XX/XX/XXXX. I was told by XXXX XXXX that since I complained they would place more late payments on my credit. They did. XXXX XXXX from XXXX XXXX told me that XXXX XXXX is hemorrhaging accounts & they need to stop ppl from refinancing elsewhere & their making sure accounts are looked over & they report late payments aggressively. This is the 2nd time I've had to report them for the same issue. This is not 2 accounts it's one HELOC & they are now saying it's 2 accounts 2 payments & it never has been. Below are the payments from the account & as you can see I paid it & they reversed it. They are on purpose filling late payments again ppl to ruin ppl 's credit to stop us from refinancing. I have show the payment I just made has been reverse & now they show there's not a payment made. I make the payment amount that is shown on their website & XXXX XXXX told me I have to now open the statement & pay some amount I do not see on any statements, XXXX says the website is no longer has the right amount to pay & I have to open every statement & pay that amount but the amounts are the same, they took my husbands credit from XXXX to XXXX this is shameful & how are they allowed to do this? XXXX XXXX is on purpose playing games with payments so they can ruin your credit so you can not refinance to get out from under them. 


Amount sort in descending order Transaction Details for Row 1 XX/XX/XXXX PRINCIPAL REVERSAL {$18.00} Transaction Details for Row 2 XX/XX/XXXX PRINCIPAL PAYMENT + {$18.00} Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$8.00} Transaction Details for Row 4 XX/XX/XXXX INTEREST PAYMENT + {$9.00} Transaction Details for Row 5 XX/XX/XXXX PRINCIPAL PAYMENT + {$8.00} Transaction Details for Row 6 XX/XX/XXXX INTEREST PAYMENT + {$9.00} Transaction Details for Row 7 XX/XX/XXXX PRINCIPAL PAYMENT + {$23.00} Transaction Details for Row 8 XX/XX/XXXX INTEREST PAYMENT + {$9.00} Proof of payment. 


Date sorted in descending order Description sort in descending order Amount sort in descending order Transaction Details for Row 1 XX/XX/XXXX PRINCIPAL PAYMENT + {$18.00} Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$8.00} Transaction Details for Row XXXX XX/XX/XXXX INTEREST PAYMENT + {$9.00} Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$8.00} Transaction Details for Row XXXX XX/XX/XXXX INTEREST PAYMENT + {$9.00} Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$23.00} Transaction Details for Row XXXX XX/XX/XXXX INTEREST PAYMENT + {$9.00} Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$1.00} Transaction Details for Row XXXX XX/XX/XXXXXXXX  INTEREST PAYMENT + {$18.00}
Consumer complaint received 2024-03-15
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. (IN)

I'm writing to complaint to EXPERIAN about the unauthorized inquiries on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft. My address is XXXX XXXX XXXX XXXX, IN XXXX, and I go by XXXX XXXX XXXX. My birthdate is XX/XX/year>. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus.

This is a legitimate inquiry of information and declaring.
Consumer complaint received 2017-04-05
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I 've been working with Midland Funding LLC for awhile now to try and work out a solution to pay off my debt. From the moment they took over my debt they were threatening to sue me if I did not pay them. I began talking to them on the phone and explained that I did not have the full amount and could not pay them that. However, I did have about {$300.00} available and was willing to pay them that on the spot if they would clear out the debt. Or that I was willing to work on a payment plan if they could fit it within my budget. I explained I did n't want to commit to a plan I could n't afford, which was why I was asking for a reasonable plan. One representative I spoke to a couple times said he would see if they could accept my {$300.00} and would work with me to resolve the debt. I asked him to please leave a voicemail if he did n't reach me so I knew to call him back. They have been calling me under different phone numbers and tend to call while I am at work and can not answer my phone. He promised to leave a voicemail and never did. I began receiving calls from an unknown number and returned one of them to find out it was again Midland Funding. I asked to speak to the same representative and they told me he had left for the day but that they would have him call me and ensure he left me a voicemail if he could n't reach me. That never happened. I did n't hear from anyone for awhile. More calls began coming through on a totally different number and when I answered it to find it was Midland funding the gentleman I spoke with was extremely rude. He told me that the previous representative I spoke with did not provide me with the right information and that this debt was in pre-legal status and I needed to pay the full amount. He stated that due to the pre-legal status there were n't any options to pay less to resolve the debt or do a monthly payment. I informed him that I had been researching their company and discovered that they have their own legal department and the way they do business is to sue people for the debt rather than working with them on it and I did n't want to get to a lawsuit when I am trying to work with them and they are n't willing to work with me. He began to raise his voice and said " Well what difference does it make? Either way you 'll be paying the full amount. Now or when we take legal action. '' I began trying to talk to him and he continued to talk over me and was getting very mean towards me. I hung up the call because I was getting scared and did n't know what to do. I spoke with a money management company and they advised me to contact the Consumer Financial Protection Bureau as this behavior is not condoned.
Consumer complaint received 2024-03-15
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-30
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Data Mortgage Inc. (NV)

I received a response ( attached ) stating that the 90 day past due credit reporting on my mortgage loan ( under XXXX XXXX and XXXX XXXX ) on address XXXX XXXX XXXX XXXX XXXX NV XXXX was not going to be corrected because our partial claim was not received until XX/XX/XXXX. My initial application for a partial claim was submitted on XX/XX/XXXX, Essex mortgage switched servicers and it took over a month to even get the process going all over again. I had to send additional information because they took too long processing my application. I had to email and call several times and was given the run around about the status of my loss mitigation application. The delay was theirs, not mine. Pls see correspondence showing how many times I contacted them, and the fact that they had given me incorrect and incomplete information many times to the point that I had to put a complaint on here to even get help. 

I have attached the initial response where I indicated I was not being treated fair or timely and their response. 

I also need to know why my partial claim is approx XXXX but Essex mortgage also received XXXX HAF funds? Where is that money how was it applied? That is XXXX in funds. Please provide me with this break down.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

After Closing my account due to theft from an unknown party, capital one has failed to provide me with the money that was stolen from me on XX/XX/. on said date, my capital one 360 debit card was stolen at an unknown location presumably a store i went to that day and my ATM card was used to take {$320.00} out of my account. i have filed a police report, and even explained to capital one how i was a victim of theft earlier on, when i had originally filed a claim with them to get my money back. my claim has recently came back denied, and when i asked the customer service representative to furnish me with the documents or proof they used to make this decision, they had abruptly said thank you for calling capital one have a good day sir.
Consumer complaint received 2023-11-01
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)

In accordance with the Fair Credit Repo # rting act child support Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-11-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (PA)

On XX/XX/XXXX, I deposited the amount of {$19000.00} into a new checking account with the bank called Truist, on XX/XX/2023. I received XXXX letters in the mail, saying that Truist closed my account for an unknown reason I was told XX/XX/2023 that I will get a cashiers check mailed to me and wait XXXX business days until XX/XX/2023 and I still have not received the check. I called the branch and no one is giving me an answer. I called the fraud department they keep saying that on my account, it says a check has to be mailed but theres no date. Another person said a check was mailed XX/XX/XXXX, but no check still. I went to the Truist branch and they just keep telling me to wait its been a month, I asked to speak to a supervisor or a manager, and no one will see me and I have not received a clear answer to where my money is.
Consumer complaint received 2023-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (TX)

XXXXXXXX XXXX XXXXXXXX is a company that has scammed me and my family and so many others. They promised certain benefits if you sign up with their company ; top hotels at discounted prices, discounted flights, but it was all a lie after I signed up with them. They use Monterey Financial Services as their payment service company and now they have sent me to collections because I refuse to pay for services that were falsely advertised. They charged me {$110.00} for four months ( XXXX - XX/XX/2023 ) then disputed with my bank after trying to work things out with this company only to find that everything they represent is a scam. My bank was able to get me 3 months of charges back. I have disputed with XXXX but for some reason the delinquency is still on my credit. I have exceptional payment history and I pay on time to all of my creditors and it dropped my credit score XXXX points from XXXX to XXXX all for a company that is scamming people. Please help protect me as a consumer. Please look up XXXXXXXX XXXX XXXXXXXX on XXXX.
Consumer complaint received 2023-11-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (TX)

I have been trying to submit a payment to my Mortgage Services for {$810.00}. The first payment I tried to submit was on XX/XX/2023, and then attempted to make another on XX/XX/2023. I was unable to login, or contact them and verify my account. The Mortgage Servicer Company is LoanCare , LLC located in XXXX XXXXXXXX, customer care number : XXXX. They event sent me an email last night stated " Your online account is up and running. Access loan information, support options, and make payments today by visiting https : //lakeviewloanservicing.myloancare.com. 

As part of resuming our online services, we have made enhancements to the website. You will notice the following improvements : Updated user experience Expanded tools and features Secure statement storage Special Note : You will need to set up your preferred bank account the first time you make a payment through the enhanced website. 

Reminder, if you have been unable to timely make your payment due to the system outage, no late fees or negative credit reporting will be incurred. '' I just want to make sure they honor this Reminder statement.
Consumer complaint received 2017-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

The collector callled me daily for several days even though I told him each that at the moment the options they are offering would not work. I asked him to stop calling and that I would give them a call once I had an offer to make. He continued calling daily and called my work phone number ( see above ) during business hours ( XXXX on XX/XX/2017 ). It is the same individual that continues to call me ( XXXX or XXXX ) even though I 've repeatedly asked him to stop.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MO)

App statement balance for the bill was not actually the full amount. When paid it left a small balance two months in a row. Both months I was charge for the full bills interest plus fees even though I was choosing pay the full statement balance. Chase refused to do anything about it and said that i should be the one doing the math to verify their information is correct.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Background : I currently have a credit card debt with Bank of America for a Business credit card call " Buisness Advantage '' Thru the Bank of America mobile application Ive tried to choose for payment plan options, once Ive answered a couple of questions the app provide me to talk to a credit counseling in order to get help to pay the credit card debt that I have with them, -My wife and my self are joint account holders for a Bank of America Checking account called Advantage Plus On XX/XX/XXXX of 2023, my wife went to a Bank of America ATM and using my debit card she deposit the amount of {$1100.00} dlls, this money was to pay some immigration procedures with USCIS and Dept of State . 

The next day ( XX/XX/XXXX of 2023 ) we found out thru the app that Bank of America was Offseting the amount of {$620.00} and transfer this amount to the credit card debt previously mentioned without any previously notice, nor contact and even when Ive try to get payment option plans help. 

By reading some publications my understanding is that banks can have the right to offset when there is a car loan and/or mortgage debt, but not for revolving accounts like credit card debt, and not from joint account since my wife is not a joint debtor in this circumstances, Tried to contact Bank of America Customer service and the only way to get an answer was thru the Bank of America XXXX XXXX by chatting with an agent and the only this she told me is that they offset the money in our checking account because I owe them money on the business credit card, and that was it.
Consumer complaint received 2017-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I called this company regarding this account that I am unaware of. I am not sure what XXXX is. At that time I was advised that a copy of the lease would be mailed out however it never was. I then sent a certified letter to this asking them to provide me a copy of the lease agreement to date I have not received a response. I contacted them today and spoke to a rep who acknowledged that they received the request and I just have to wait until the original company provides the lease. She was very rude. I informed her that the 30 day time period has pass and asked for a tentative date. She refused to provide any information.
Consumer complaint received 2023-04-11
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. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has Violated my Federally Protected Consumer Rights to Privacy and Confidentiality under 15 U.S.C 1681. 
Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has Violated My Rights.

15 U.S.C 1681 Section 602 A " States I have the right to privacy '' 15 U.S.C 1681 Section 604 A Section 2 " States A Consumer Reporting Agency Can not Furnish an Account without My Written Instructions '' 15 U.S.C 1681c ( a ) ( 5 ) Section " States No Consumer Reporting Agency may make any Consumer Report containing any of the following items of information Any other adverse item of information other than records of Convictions of crimes which antedates by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) " States A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-28
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. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX