davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

Macys Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX _________________________ XXXX XXXX XXXX XXXX XXXX, South Dakota, XXXX Please be advised that I am extremely disappointed in the service and deceptive business practices of the credit services department XXXX On XX/XX/XXXX I purchased a couch from Macys Furniture with a promotional period of 12 months for {$3600.00} with the promotional period ending on XX/XX/XXXX. 

On XX/XX/XXXX, or XX/XX/XXXX I called customer service and spoke with several reps that I do not recall, but the asks was to allocate {$2000.00} to the promotional balance. However, after checking the website I noticed the entire amount was not applied so I called back and was assured the account would be updated to reflect the payment and the promotional balance of {$1600.00}. 

As of XX/XX/XXXX, I called customer service and spoke with Representative : XXXX, XXXX to asks why was my promotional balance on the website {$3400.00} when I allocated funds to that account and the website was updated in XXXX to reflect {$1600.00} ( I saved a screenshot of the updates on my phone ). He proceeded to advise me that the {$2000.00} was not allocated to the promotional balance so I became very upset because the reps keep defaulting the errors to the system but that is unacceptable. 

How is it that Macys is such a large brand but cant get the reps to ensure payments are applied correctly? Why is it that consumers can not go online to apply funds to promotional balances? Is it because you want customers to pay the interest on the account? Is it because it is a tactic used to confuse your consumers? Or simply a way to force interest payments from consumers whos not paying attention to their account and simply lose track of the transactions. 

This is really unfortunate situation that has caused me stress and time that I can not get back. Therefore, I am submitting a formal complaint to the Federal Trade Commission, Consumer Financial Protection Bureau, as well as the Department of Justice. No consumer should have to deal with this and fortunately I had time today to write this letter and distribute it to all those who have control and oversight of companies that attempts to deceive its consumers. 

XXXX XXXX
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2023 I closed my Capital One 360 checking account due to a check failing to properly deposit within account. Upon closing out my I was told I will receive my check within XXXX to XXXX business days. Today is XX/XX/2023. I have yet to receive my closeout check of almost {$3500.00}.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

I have previously disputed the bankruptcy with all three credit bureaus and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response was they do not report to the credit bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I sent a dispute letter to all the credit bureaus and creditors regarding the accounts of which I do not know. I have not received any response nor a notification regarding the investigation and results. 

They need to delete these under my name since I don't know the said accounts.
Consumer complaint received 2023-11-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DriveTime (GA)

I XXXX XXXX XXXX XXXX entered into a consumer credit transaction with Drivetime XXXX XXXX, XXXX XXXX : Drivetime XXXX XXXX on XX/XX/2017. A consumer consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but, that Drivetime XXXX XXXXXXXX XXXX XXXX XXXX Drivetime XXXX XXXX took cash. The finance charge is suppose to include insurance, but that Drivetime XXXX XXXXXXXX XXXX XXXX : Drivetime XXXX XXXX made me purchase insurance separately.
Consumer complaint received 2023-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CHN Housing Partners (OH)

I obtained my mortgage through XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX in XX/XX/XXXX. In XXXX of XXXX, an escrow anaylysis was done and it was determined that the original property taxes were not figured into the original mortgage monthly payment, so almost a full two years went by before they determine that this was the case. So they were taking my mortage payments and applying them to the insurance and taxes and not to the actual mortgage principal. Now we are behind in the payments with a threat to lose our home. This has cause the mortgage payment to triple. If the escrow analysis was done even on an anual basis ( which an analysis would have been preformed in XXXX ) we would not be in this predicament. There was no escrow analysis done to our knowldege in XXXX.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Starting in XXXX my account with XXXX XXXX and Bank of American and XXXX XXXX Where compromise. I was being hack into my accounts. Some accounts where stolen and change over the phone and others money was going missing through online banking. It actually showed on my cell phone that 6 other people where stealing my money. 

I called the bank right away and issue me some money back and we change my account but as soon as they did my money was stolen again. Because the money was direct deposit through Social security XXXX insurance. 

Then I open another account with Bank of American and the same thing happened they stole {$4000.00} from my SSDI again. Still have never got my money back. Then I opened another account with XXXX back all again someone over the phone stole all my money with a fake check that they cash over the phone along with all my money. Four years later no bank has giving back my money. I've been going through Identity theft for 4 years have called the police and made over fifty-five police reports and still the police say they can't do anything. This had lead me broke and homeless. I lost my job dure to all this as well as my car. I'm XXXX and now leaving under a bridge in XXXX California. I'm seeking help if possible to resolve this matter if possible.
Consumer complaint received 2023-11-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (TX)

I am writing to file a formal complaint against Affirm Inc, as I believe their lending practices involve discrimination against certain individuals. On XX/XX/XXXX, I applied for a {$690.00} installment loan to cover an online course and was denied without any provided reason or explanation. 

This is not an isolated incident, as I have faced previous denials with Affirm, and inquiries regarding the reasons for denial were met with vague responses. The representative on the phone failed to offer any details or reasons, stating an inability to verify my information without specifying which information was in question. 

The Equal Credit Opportunity Act explicitly prohibits discrimination, yet Affirm Inc 's repeated denials without transparent reasoning raise concerns about approval disparities based on background and race. I respectfully request that the Consumer Financial Protection Bureau conducts a thorough investigation into why Affirm is denying fair credit access to certain individuals.
Consumer complaint received 2023-11-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

For well over a month I have received several calls daily from Nissan Infiniti Financial. 

Every day I have to delete their messages from my voicemail. I have never bought any car with any financing. I have a XXXX  XXXX which I bought 6 years ago used for cash. 
It is the frequency of the calls and the multiple times. I have on many occasions informed them I have no idea why they would be calling me. No one in my family has a Nissan or Infinity besides the XXXX  I own. They insist this is the number they have but do not have my name. I have had this same number for at least 10 years and it is only now that they have started this harassment. 

I am XXXX have XXXX XXXX XXXX and am on a XXXX XXXX. I can not take this any longer
Consumer complaint received 2023-11-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (MA)

I sent a letter to this company requesting information about this account that showed up on my credit report. I have made several attempts to obtain proper information from this company however each time I was not successful in obtaining the information. Instead I received a letter requesting information from me which I am not willing to provide considering that I am disputing the validity of this account. Furthermore, the company is reporting this account yet can not locate my alleged account in their system. This further justifies my statement that this account reporting is not valid. The information I provided in previous letters to the company, along with the account number above ( which I obtained directly from the credit reporting 's ) was sufficient enough to find an account for me if a valid account for me did in fact exist. This company has failed to send me any information that I requested and yet continues to report this account.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: World Acceptance Corporation (AR)

Company has stated that I re opened a loan in XXXX when I did not. Also they keep reporting different amounts and payment dates over time for the last 5 years. I have requested documentation and proof and then they re-hit my credit with more negative notes and different payment information. I show several different balances since XXXX when I originally began to try to fix my credit. I offered to see what repayment options I had to help pay the debt originally though the loan was a third party or straw purchase loan for someone else. The loans were for an ex I had for several years but she had limited income and could not get approved. I attempted to call and was always threatened with being sued, once I lost my job and we separated I wrote the loan off as something I would attempt to resolve should they ever allow me to and provide an accurate amount owed. The biggest issue is that the company never provided accurate information and the time lapse for the loan to fall off of my reports has passed. But instead of taking it off my reports they continue to change, alter, miss represent, fictitiously claim I made payments, and other malicious acts to continue to keep the infractions on my reports so they can continue to harm my credit. It is not ethically right and should be or possibly even could be illegal. Please help me resolve this issue so I can continue on with my life, they have written the loan off for a profit loss years ago and it does not harm them at all any longer, has not in over 8 years. Attached I have added several random different credit reports I can pull from different apps and statement stuff I have available from XXXX to XXXX, you can see major reporting differences and even were XXXX shows a high balance of {$3300.00} and others show {$4400.00} and one recent XXXX XX/XX/XXXX late payments while others show some and others show lots? From my understanding the credit agencies all should benefit in my favor over this with the proof that I am sending. This account should be deleted in full and taken off of my reports. It is not fair at all that I continue to suffer and have major issues because this false reporting and lying that has been done.
Consumer complaint received 2017-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC. (GA)

Suntrust Branch to ok a deposit on Friday   XXXX   XXXX   at  XXXX  It was a check from a  Suntrust Account  into a/my Suntrust Account, listed immediately as Pending but available on my account.   On Saturday the deposit was not listed  in Pending or Credited on  my account.   I called Customer Service  XXXX  number and was informed they could do nothing about it that only the branch could fix it which was not open o n Saturdays , but wait until Monday.     On Monday  XXXX   XXXX , I phoned the branch ( at  XXXX  opening ) that made the deposit and the Head Teller was too busy to research it for  two h ours, according to the Branch  Manager   XXXX   XXXX . No one called me back, I had to repeatedly phone the branch and was told that it was taken care of on about the fourth phone call to them, and informed it was credited to my account, funds were 100 % available, this was almost at  XXXX .    Attached Screen  shot shows it was Credited on my account and the time on  XXXX   XXXX .     On Tuesday  XXXX   XXXX , at  XXXX   XXXX , I received my notification update of balance on my phone and it showed the deposit amount was not in my account.   Checking into online banking, it showed no pending deposit, it showed no deposit credit for the amount from Friday and the credit from Monday had vanished.     I phoned the  XXXX   XXXX  Customer Service  Number of Suntrust and was informed that the deposit was n ot on my account. After a brief hold, he confirmed he saw the deposit in his records but could do nothing for the situation and that I needed to call the  Branch  where the deposit was made but that they were not open at the time.     I phoned  Suntrust Branch  where deposit was made at  XXXX  opening, and was informed the    Branch Manager was not at work yet and they did not know what time   she would arrive. I spoke with the  Head Teller  who said she would research it again and see where the deposit was, but she said she could do nothing about it or tell me anything about it while I was on hold.     As of now, the deposit is not pending nor credited on my account, and I have been unable to get to a person of authority within  Suntrust, or even know who or what department actually has the authority to locate, credit and post my deposit that was made Friday, in person, at a Suntrust t eller window.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair reporting act this creditor has violated my rights Under 15usc1681 section 602 states that i have the right to privacy 15usc1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without written instructions Under 15usc1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2023-10-03
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. (KY)

When I reviewed my credit report, I discovered that this account was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX
Consumer complaint received 2023-11-16
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

In XXXX of XXXX, I purchased two air conditioners from XXXX. XXXX. These air conditioners were purchased under a promotional time period, no interest until XXXX of XXXX. As of XX/XX/XXXX, by balance was almost below {$400.00}. When the promotional period was over, I was charged and interest fee of {$1600.00}. This brought my bill back up to over {$1000.00}. 
I was under the impression that interest would resume on the current balance due at the end of the promotion. Instead, they charged me with two years of back interest.
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (CA)

I was informed inXX/XX/XXXX by Direct Express that a new Direct Express card would be issued for my Social Security account payment in XX/XX/XXXXXXXXWhen I did not receive the new card with my XX/XX/XXXX and XX/XX/XXXX Social Security funds, I called Direct Express in twice in XX/XX/XXXX. I was informed that my deposits were made and the documentation reflected several cash withdrawal, charges to department stores, Charges by XXXX and a variety of other establishments. Also, these charges were made in many Cities all over California and in the State of Georgia, which I have not traveled to at anytime as documented. I informed the representative that I did not receive the card or those funds and had to be an error or the victim of fraud. The representative informed me she would investigate the claim and issued a claim number. The amount of XX/XX/XXXX and XX/XX/XXXX Totaling XXXX contested. Direct Express canceled the alleged cards they had for me on file and issued a new card. The last card is active and I have recieved funds for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I received a response regarding my claim from Direct Express and was told they had determined that they had not committed in error and my claim was denied. I filed a escalation claim to Direct Express with the same request and the supervisor stated that the case was re-reviewed and the claim was denied again. They stated " no error was committed on their part ''. Also, they summarily stated the claim was denied and case closed. 
I filed a Police report at the XXXX XXXX XXXX Police departmentXX/XX/XXXXXXXX. 
I also submitted notarized signed documents attesting to my claim. 
As a XX/XX/XXXX citizen, working in the system since XXXX, I am insulted by their lack of support, interest and professionalism for my financial well being. As a result of their lack of and no apparent interest in a clear investigation, I am now in a financial bind with basic needs unmet, medical bills and emotional distress. I am requesting your assistance to help me resolve this matter and over turn their unprofessional findings, resulting in XX/XX/XXXX citizen abuse and neglect.
Consumer complaint received 2024-05-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc. (PA)

Back on XX/XX/XXXX I sold my holdings with Blockchain.com for a total of {$600.00}. I went to withdraw the funds and have them deposited into my bank account and was unable to withdraw the funds because the system to deposit into the bank account was temporarily unavailable. I waited over a week and still it was unavailable. I contacted the company through their message system and was informed that the system to deposit money into the bank accounts was going through an upgrade and unavailable. I asked how long it would be unavailable and was told they did not have a time frame but I could withdraw my money via wire transfer. Today XX/XX/year> I went to my bank and had them assist me in filling out the wire transfer form and submitted it. Only to later receive a message from blockchain that the wire transfer failed and they were unable to complete my request. I attempted it again and again it failed. They are refusing to send me a physical check and now I can not even withdraw my money using the method they said I could use. I can not even talk to anyone because their representatives are never available.
Consumer complaint received 2023-11-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

In XX/XX/XXXX I was alerted by text message of a an unauthorized purchase on my credit card for {$3900.00}. I immediately called in the fraud to the bank as it was occurring. To my utter shock and surprise, I received a letter dated XX/XX/XXXX from the bank citing a merchant claims I received good and services. This is completely false, never made the purchase, never heard of the merchant, never received goods, products or services. 

On XX/XX/XXXX I visited the local bank branch in person. I met with a representative. He called the fraud dept and together we spoke with their fraud rep. They indicated there reopening the case. I outlined all of the investigation they ought to be doing to make this right. They admitted they did not do a complete investigation citing lack of resources to investigate every situation. 

I left that office on same day had local sheriffs dept at my home. I filed a report, they had actually body cam etc. I provided all of the documents to the sheriff. Then, I provided by email the police report #, to the local bank branch. 

On XX/XX/XXXX I received a letter from bank citing the same erroneous decision. Note : their letter was dated only 5 days after I visited the local branch. So, no addl investigation was ever done.