davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I pulled a credit report in some credit cards are on my report that I have no clue aboutXXXX XXXX for XXXX. Citi for XXXX. XXXX XXXX for XXXX. XXXX for XXXX. And a car loan for XXXX. I have no clue about these accounts
Consumer complaint received 2023-11-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (SC)

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX whose collection agency is Caine & Weiner is reporting a collection amount of a {$340.00} balance. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section XXXX of title XXXX Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

I have sent several disputes in the past to have the account under XXXX XXXX XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXX to dispute the information as well and have yet to receive a response. The latest letter I sent to Experian, XXXX and XXXX to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither Experian, XXXX nor XXXX, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (OR)

I did not authorize any of these inquiries : XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Television & Radio XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Unions XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + All Banks XXXX  Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing JXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing
Consumer complaint received 2023-12-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (NJ)

A {$24.00} balance was supposed to have been waived by Ally Financial. The wavier was not processed in XXXX and no additional communications were sent to me. Ally Financial never reported this on my credit report so I did not know this amount was owed. Ally Financial then reported this to the credit agencies in XXXX and is now severely impacting my credit score such that a mortgage that I'm trying to get will cost me over {$6000.00} more. Ally Financial told me that they can not do anything to remove this from my credit report now.
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (WA)

XX/XX/24 XXXX PST : I try to log into my Ally Bank account and discover that it's locked. I call the phone number provided by the app and get forwarded to the fraud department and wait on the line while Ally attempts to verify my ownership of my other financial accounts. The Ally representative tells me that I will hear back from them soon. 

XX/XX/24 XXXX PST : I try to access my account again and discover that it's still locked. I called the number provided and this time the Ally representative informs me that they are not allowed to discuss my account if I have been forwarded to the fraud department. 

I had a XXXX  of my paycheck direct deposited into my Ally checking account to test out their services since I am looking for a new bank. Now a decent portion of my income is frozen and I can't pay rent. None of the XXXX other financial institutions that I'm testing out froze my account and Ally won't tell my why they decided to.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have contacted the credit bureaus about removing this self south state lender account multiple times I have called wrote letters to there dispute center and everything this account is reporting inaccurate information on my credit report and it is greatly affecting my credit report XXXX, Transunion, & XXXX are supposed to me on my side and resolve this issue but they are giving me such a hard time.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EGL US, LLC (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. '' It is the policy of the Congress that each financial Institution has an obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers non public personal information. The financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. '' It is the policy of the Congress that each financial Institution has an obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers non public personal information. The financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Equifax XXXX XXXX XXXX XXXX XXXX, XXXX XXXX From : XXXX : XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ] Report # XXXX This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments are inaccurate. Please Investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I also respectfully request to be provided proof of these alleged items specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late please update my payment history to PAANL, status ( paid as agreed never late ). And supply a corrected credit report to any creditors who have requested a copy of my credit report in the last six months. 
I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 
It Is my understanding that you must validate these items with the reporting creditor for aaccurac, please remove any information that the creditor can not verify. I know this must be completed within 30 days of receipt of this letter, or you must remove the incorrect information. 
Please send an updated copy of my credit report to the above address.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

It is illegal to report transaction history. Reports containing solely information related to transactions are to be excluded from a consumer report and undermine my privacy rights and withdrawn consent. The mailed and unaddressed letter listing the offending accounts is attached. No action has been taken by the CRAs in spite of the duties provided by the FCRA.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Openonline, LLC (NM)

As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (PA)

On XX/XX/year> an unauthorized transaction occurred for XXXX in the amount of {$330.00}. I got a fraud alert in a text message from my bank. I immediately called Huntington Bank fraud dept to report it, cancelled my debit card and got a new card mailed to me. I filed a dispute and they refused to refund my money. Someone I thought was from Huntington Bank called to verify an XXXX text that I received. Info given as I don't even use XXXX. I was scammed.
Consumer complaint received 2017-02-22
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: United Check Recovery Bureau, Inc. (SC)

I had a loan that I defaulted on because of an unforseen circumstance in my finances. I never heard anything from the company. Then last week my Dad gets a call telling him they are going to turn me into the IRS and got him all worried. When I called them they threatened me. They said they were going to take my car, garnish my wages, have me arrested, and file with the IRS. One way or another they were getting there money. I was bullied into making Payment arrangements with them. They emailed some document to me but I could n't open it up without signing it first. Ithe was just telling me I was making payments to them for the next 24 months of what they said they would only take. I still up to this point had nothing in writing from them of the debt or amount owed. Then they started calling my work and even left a message on my bosses phone wanting to take my wages. I asked them not to contact me at work. They still called my work. I sent them in writing and called several times asking for themail to mail me paperwork. They said they did back in XXXX but last week they said they did n't have my address. I have checked and there is no Judgement filed against me to do with this debt. They belittled me by calling me names, telling me what I needed to do, and bullied me with threats. I made my boss and HR department aware of everything. I called the bank that holds the note on my car and even told everyone that gets a call from them about me to block their number. It has become way to much to deal with. My XXXX has peaked and now my health is taking a toll already because they wo n't stop with the threats and it has only been. A little over a week. The company is United Check Recovery Bureau , Inc. I never get the same person on the phone and they keep bouncing me back and forth with the person they claim holds my account. They are mean and very rude.
Consumer complaint received 2023-02-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (SC)

I opened a Business line of credit back in XXXX while I was employed at BB & T. The line of Credit agreement states that this line was only active for 3 years and then it matured and I would have to renew if I wanted the line still. I left Truist ( BB & T ) as an employee in XXXX because I did not agree with some of the things I saw happening to not only employees but also the customers. This line of credit matured XX/XX/XXXX. It had {$100.00} annual fee that was supposed to be charged at origination and every anniversary until maturity as it states in the loan agreement. At maturity Truist decided to charge me another {$100.00} annual fee but the line of credit was already closed. I spent over 43 hours on the phone and in branches trying to resolve this while getting hung up on numerous of times, promised calls back that never happened. I filed a complaint with the CFPB and that is when I got Truist 's attention. A lady out of GA reached out to handle the complaint. She left a response stating that I was still responsible for the annual fee that they assessed after maturity. So I was being charged 4 annual fees on a 3 year line of credit. What is not seen in her response is that she called me afterwards to say that she agreed that I should not have been charged the {$100.00} fee with the line of credit being closed. She sent out a check for the {$100.00} in the mail to me. Fast forward to XXXX. The line of credit has been closed out for over a year now. I just received a letter in the mail stating that Truist has charged yet another {$100.00} annual fee on this closed out line of credit. It also shows again that there is {$0.00} available balance. So they are charging me an annual fee on a closed line of credit that I can not even access. Sounds like XXXX XXXX XXXX all over. This is the definition of unfair and deceptive lending practices. I called into Truist and spent over 3 hours on the phone over the last several days trying to get this fixed, again. I was told supervisors were going to call me. I have been hung up on 3 times so far. I was told I need to drive to a branch to fix this but the branch says they can only refund fees up to {$75.00}. I shouldn't have to drive anywhere and waste anymore of my time. I am sending my story out to a few different attorneys that specialize in class action law suits against financial institutions. If anyone else has experienced the same issue where the bank is charging you fees on a closed loan product you should reach out to an attorney as well. Truist should be held accountable for these deceptive lending practices. Truist should change their name to I which is the only thing they stand for, themselves. There is clearly no more Trust in Truist anymore.
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I had a checking account with Bank of America, and since I am out of the country and the account being inactive, I received a notice regarding this in the month of XX/XX/XXXX. I contacted the bank officials several times asking assistance to close the account and transfer the money, but failed and hence contacted CFPB seeking help to solve the issue. I filed an original complaint ( # XXXX ) dated XX/XX/XXXX. One representative named XXXX XXXX XXXX XXXX Resolution Specialist, Regulatory Complaints contacted me over my phone. She suggested me to write a letter for communication stating to close my account upon my request and send me a Banker 's Cheque, to my address after verifying my identity and my concerns are being genuine. She gave me the address to communicate also. Later she sent me a packet via XXXX courier which included all these information. She also told the Banker 's Cheque validity would be XXXX days and once not cleared within XXXX days, I should get back to her so that she would issue a new one. I received an email from Bank of America XXXX days after stating that my account has been closed. But after that there were not information or correspondence. I after waiting for almost XXXX months, filed another complaint with CFPB during the month of XXXX. Complaint # XXXX  dated XX/XX/XXXX. 
As a response to this another representative named XXXX XXXX XXXX, Executive Escalations, Resolution Complaint Operations, Bank of America contacted me over my phone like XXXX XXXX XXXX  did. According to him, a Banker 's Cheque was issued for me but dispatched to a wrong address. He also emailed my in my personal email address detailing all what have happened and a new cheque would be issued with a stop payment notification issued on the previous one. The response email I received from him on XXXX  and he mentioned that the cheque would be sent to my address on the same day. Despite waiting XXXX  days, I am yet to receive any information regarding the status of the same to this moment. He also mention that he would contact XXXX XXXX XXXX  for any tracking information and later replied that there were none. 
Copies of all communications are attached herewith.
Consumer complaint received 2024-01-20
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020, we applied for a cashier 's check at the Chase Bank branch in XXXX XXXX. The check number was XXXX. Unfortunately, the check was later lost. Consequently, we immediately called customer service on the same day to request a stop on the check. We planned to visit the bank counter the next business day to report the lost check. However, due to the COVID-19 pandemic, all bank counters were closed, and they were unable to process our stop check request. This situation resulted in a loss of {$100000.00} for us. We have been continuously communicating with the bankers at Chase 's XXXX XXXX branch regarding this matter, but so far, we haven't received a resolution.
Consumer complaint received 2023-11-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MA)

I attempted to use PayPal Pay in 4 installment service. They rejected me for multiple reasons, each and every one of which was an outright lie on the part of PayPal. The only blemish on my record was a payment that I asked them to cancel, which they refused to do for vague and incoherent reasons. I had already brought this up to them and they refused to do anything about it. I do not accept lies and half- truths as justification for adverse financial action to be taken against me. For that reason, I demand that PayPal refund me any and all service fees that I have ever paid them. In addition, I demand they reopen my application and allow me to use the pay in 4 service, at the very least, they must provide a justification for rejecting me that is factually correct.