davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
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: AMERICAN EXPRESS COMPANY (AZ)

In XX/XX/2023, I made a purchase of approximately {$2800.00} from a furniture company using my American Express credit card. The furniture piece in question has had 3 different warranty claims assessed by me against the company, most recently I filed one in XX/XX/2023. The piece has recently broken again and the company is unwilling to issue any kind of refund despite the obvious defect. 

I contacted American Express on XXXX XXXX via their support chat to discuss options for a dispute, given the ongoing issues with the furniture merchant. I did not ask to open a dispute, rather to discuss my options and understand their policy on disputes better. I was particularly concerned about the time past since both the original purchase and last warranty claim. I shared these dates as stated above with the AMEX representative and was told I could still file a dispute. I was informed that the date was no problem and AMEX would open and file a dispute with the merchant. At no time did I ask to open a dispute, the agent opened one right away open On XX/XX/XXXX, I received 2 emails in quick succession. One informing me the dispute was opened, and another informing me it was closed immediately after, due to the time period of the purchase and claims. This is in direct contradiction to what I was told by the rep on XXXX XXXX 

On XXXX XXXX, I called AMEX support to ask for more context on the situation. I found the phone agent to be argumentative and aggressive when I asked to simply have more details on the dispute. To summarize, I was told the following by the agent : - The original chat rep never promised to investigate a dispute, only to file one. I asked for clarification on the difference and was not given a definitive answer. The phone rep was also not a party to the chat conversation so I am unsure how we would know the exact phrasing of the chat rep. 
- That the representative did not make a mistake and followed the process for opening disputes. Again, I am unsure how given incorrect guidance on the process is within AMEX support guidelines. 

I requested a call-back from an AMEX supervisor and received one on XX/XX/XXXX. The supervisor re-iterated similar guidance as the agent, and appeared to imply that I was in the wrong for not understanding the dispute process. I asked the agent why I am expected to know more about the process than Amex representatives, and he said he would share my feedback as part of the case rather than answering the question.
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (MA)

I Been Getting a Bill From a Credit Card XXXX Never Used it, And Never Had One I Contact Them And Told Them That they. Are Not Ruining My Credit. Sending Me A Bill From Fake Credit Control LLC. Never heard Of Them Had Identity Thief In XXXX  By XXXX XXXX XXXX XXXX From XXXX  And He Under Investigation. By The Feds And DA And Detective. and Others Hacking My Accounts, And Phone Too. this bill is {$200.00} Wants This Dispute. My Credit Bureaus Are Locked. Since XXXX  Stolen SSN From The Fake XXXX XXXX. Never Gave Me Sevices Cause The Feds Saying Companies Are Getting Paid Offs. Never In My Life Had This Problem. Having Criminals In my House. No More. 

Hope You can Solve This. This Criminal XXXX XXXX Going To XXXX  From Fraud And ETC.
Consumer complaint received 2018-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have recently started to repair my credit with the assistance of XXXX XXXX. During my review of my credit reports there had been a hard pull by Trans Union as a request by a Mortgage Company called XXXX XXXX, located in XXXX Texas and it is a Military Financing Company. 

XXXX XXXX sent out letters to both Trans Union and the Mortgage informing them that I had not applied for a Mortgage and that the information should be removed from my credit. 

To date I have not heard from the Mortgage Company and Trans Union refuses to accept liability.
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (MD)

On XX/XX/XXXX, I submitted a complaint number XXXX regarding a recalled wire transfer of XX/XX/XXXX, from my Citibank account XXXX XXXX to XXXX XXXX XXXX at XXXX XXXXXXXX XXXX account number XXXX. Within few minutes of the transfer, I notified Citibank to cancel the transfer and was informed that a recall would be initiated. After XXXX months of frustration with Citibank I filed complaint number XXXX, Citibank responded in a XX/XX/XXXX letter indicating that " funds are returned at the sole discretion of the beneficiary. If the beneficiary denies debit authority, the beneficiary bank may deny the recall claim. '' Upon my follow up with the beneficiary, he shared with me his account information which confirmed that the XXXX XXXX did indeed debit his account ; however, my account had not been accordingly credited. I called Citibank on XX/XX/XXXX, to share this information and was informed that numerous messages were sent to the XXXX XXXX XXXX without response. In another phone call to Citibank on XX/XX/XXXX, I was assured that the case would be escalated- including a SWFT message to Citibank XXXX to follow up with the XXXX XXXXXXXX XXXX The beneficiary 's bank statement continued to reflect the debit of the XXXX ( XXXX {$5000.00} ) which implied one of two things : ( XXXX ) Citibank is withholding my money ; or ( XXXX ) Citibank was not doing enough to have the XXXX XXXX XXXX  to return the funds. Citibank 's action has caused me severe distress and pain since XX/XX/XXXX. With the proof of debit from the beneficiary 's account, Citibank 's disclosure that I " will need to contact the Beneficiary directly to arrange to have the funds returned to you '' is no longer tenable ; besides, I stand no ground to contact the XXXX XXXX XXXX  for the funds except through Citibank. My faith in Citibank to represent me and defend my interest is at the lowest ebb and it is as though I am being robbed of my money.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

Truist bank is a criminal organization. They froze my account in XXXX claiming fraud and said they were going to investigate. They have not investigated anything and will not release my money. I have had 10+ visits to the bank and those people are clueless. The last demand was over reaching. They want a letter from the person who wrote the check in order to prove it was mine? What do I need next? A letter from my mom allowing me to deposit money???
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

On XX/XX/2018 I attempted to transfer my account from within XXXX XXXX. XXXX required my credit report to complete the transaction. I had frozen my report when the massive data leak occurred, so I needed to unfreeze it long enough for XXXX to have access to it. Following XXXX 's instructions, I called Equifax and requested they unfreeze the report. After several repeat calls to provide Equifax with enough personal information that they would acknowledge it was me on the phone, they agreed to unfreeze the report at XXXX. 
When XXXX tried to complete the transfer at approx. XXXX, the account was still frozen. Both I and the XXXX representative called Equifax again and this time were told it took " up to an hour '' to unfreeze the report. At XXXX, XXXX tried again, but the report was still frozen. I called Equifax again to see what was wrong and I was told they were having system problems and that it would be fixed in another hour. I reported this to XXXX, but my representative had gone off duty. 
This morning I tried again to process the transfer with XXXX and again I was told the report was still frozen by Equifax and that I should call them yet again when they open at XXXX. This II will do, but I resent the runaround they have given me. The power they have over the consumer isterrible. Someone needs to do something about them..
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (AE)

I attempted to get a copy of my lexis nexis report on risk. This is the insurance company database. Lexis nexis required information and wont recognize that a XXXX member of the XXXX mission I only have a XXXX address of record, not a legal address. They are argumentative and wish only to provide information via unsecure international mail, that is possibly a risk to my XXXX  versus providing via email
Consumer complaint received 2024-02-21
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: CITIBANK, N.A. (GA)

Apparently I am the victim of identity theft. 
Someone made approximate {$8000.00} worth of charges on my card. 
This happened between XXXX and XX/XX/2022. 
I was told to continue making the minimum payment that I originally was paying while they ( Citibank ) investigated. 
Over one year has gone by and nothing has been done. But Citibank has reported this to the credit bureau.my minimum bill is over {$3500.00} dollars. What regular person can make a minimum payment like this.
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Experian failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX XXXX
Consumer complaint received 2024-02-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2023 I went to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, New York. XXXX and purchased a XXXX XXXX XXXX brand new. my daughter and I sat with the finance manager to sign the contract. I went over all of the details and electronically signed all of the papers. I paid the extra money and XXXX XXXX was supposed to have gotten me plates for the new vehicle. When it was tine to receive my receipt, all of a sudden the printers were down and coincidentally my window sticker with all the prices and information was missing. I was told I would get a copy emailed and that they would look for the window sticker. 
Approximately one week passed and I nver received the recepit nor window sticker. I then started to receive phone call from XXXX XXXX stating that I had to come in for a photo inspection. I argued that the vehicle was brand new. XXXX XXXX nver sent the receipt nor window sticker to All state and now I was being penalized by having to bring every car on my poicy for a photo inspection. This is all because papers were not handed in for the XXXX. My insurance was increased by thousands of dollars as a result Next I demanded my invoice. I was finally givrn an invoice, nothithing what I had signed or agreed to. First, there was a {$5000.00} contract added on which I did not agree to. I called the main XXXX number and gave the contract number. I was told that the contract did not exist. They put a fraudulent {$5000.00} contract to rob me which did not exist. 
second the price was not the price that I discussed. I was aslo charged for XXXX  insurance. That policy did not exist either. On XX/XX/XXXX, i get a letter from XXXX XXXX XXXX  denying me credit. I have great credit so I found this strange. I asked for an explanation in writining and was told by XXXX XXXX that the dollar amount that the dealership requested is too high for the vehicle. I did not know this at time of purchase. 
Now a XXXX XXXX year old XXXX  driver hits my car while parked and totals it within the first XXXX months of purchase. I am out {$15000.00} becasue of all of the fraud and I paid for XXXX  insurance which would have covered the difference but that policy was fraud alsoi
Consumer complaint received 2024-02-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I would like to file a formal complaint that portfolio recovery a collection agency is violating my rights by using false, misleading, misrepresentation and deceptive means by placing a collection on my consumer credit report. I am dispute that this collection agency did not provide validation information under 12 CFR 1006.3 4B5 but yet placed the collection on my consumer report, also they have not given me a chance to dispute this account according to 12 CFR one 006.3 4C4I this collection agency has no authority to furnish any account to my consumer report without providing any and all disclosures required by law and they are in clear violation of 12 CFR 100634D and 15 US C 1681S278. I disputing only any and all debts to them. Also, I am revoking my rights of them communicating with me through email text and calls. Also, I am requesting debt validation as well as the purchase agreement between them in the original creditor. Also, I am requesting that they furnish proof that they are licensed and bonded, I am requesting that they please remove this account off my consumer credit report
Consumer complaint received 2024-02-20
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: CITIBANK, N.A. (MI)

On XX/XX/2023 a charge of {$110.00} appeared on my credit card transaction history. It was from a travel agency in XXXX XXXX, XXXX, and I definitely did not initiate or authorize this purchase. I disputed the charge within 60 days with my credit card company. They issued a temporary credit, but they reversed it later and closed the investigation. 
The credit card company stated the following : 'If after reviewing the merchant 's documentation you still wish to dispute this charge, please provide a new updated signed letter that specifically addresses the merchant 's response along with the complete details of your dispute. Also provide a credit slip or chargeback approval letter from the merchant, to prove they agree you are due credit for this charge. ' I tried to communicate to them that I do not know the travel agency or the person issued the flight ticket, so I am not able to provide any documentation from the merchant as they requested, and that the charge is fraudulent, but the credit card company is unresponsive.
Consumer complaint received 2024-02-20
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

I have been asking since XX/XX/XXXX to review my XXXX payments ( from XXXX ), and ensure the payments made were allocated to the account properly. 

They split my account and continue to split my payments so that they continue to collect interest on a higher principle balance. 

I repeatedly call, have been hung up on/ disconnected. Ive been placed on hold longer than having conversations with the customer agents, and continue to be told that Im being helped but unfortunately I am not being assisted properly.
Consumer complaint received 2024-03-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I bought tattoo numbing cream online on XX/XX/XXXX and was sent counterfeit product claiming to be the real brand. I made a dispute with bank of america on the same date. I even sent them and linked them the website for the brand that was counterfeit and the REAL website too. They denied my claim because Bank of America couldnt get a reply from the merchant. Thats not my fault. I opened a claim AGAIN a month later. Denied for the same reason. 

I have called BOA multiple times since this for months now. Each time, I spend two hours on the phone, getting transferred to 5-7 different people until one hangs up on me and i have to start over. I have not been able to get this sorted. I have contacted the merchant multiple times as well. 

On XX/XX/XXXX the merchant sent me an email saying my order was refunded. I checked my account and it was not. I called bank of america again, got transferred around again, was told they cant make a new claim or reopen the old one. All my messages regarding this on bank of americas site have mysteriously vanished from my account. 

I have pictures AND links to prove what i was sent was counterfeit and they still wont reimburse me. I have attached pictures of the product I was sent. I have attached pictures of emails from the counterfit site with them writing down the wrong dates despite my inbox listing the correct one. I have attached pictures of my BOA inbox where the bank deleted all evidence and messages of my claims. I have even attached pictures of what the real brand looks like, what they actually have written, and what the fake one does. I attached the counterfeit site and the real one. The real one doesnt even sell the green cream online!!! Bank of America is disgusting.
Consumer complaint received 2024-02-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (LA)

This company has illegally obtained my personal information from XXXX without consent of the consumer in order to sell personal private information. They are harassing me to pay a debt that I do not have under contract this is violation of 15 USC 1692 XXXX  and XXXX. I have dispute this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records.
Consumer complaint received 2024-02-20
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Leafy Financial, LLC (OH)

This credit bureaus stated my account was properly investigation but how is it possible if the open data is inaccurate, the data last active is inaccurate, and date last reported is not accurate. This account is inaccurate and original company has refused to give accurate information and has turn account over into collection and this is where we go into violations which now makes this grounds for removal they also violated my rights under 15 U.S.C 1681 section 602A 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 written instructions
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank will not let me access my account online unless I sign a 131 page contract which among other things, gives them power of attorney over my account. I wonder what else they get control over. 

Not only is it exceedingly long but the way it is worded is much to difficult for a lay person to comprehend. I think it would even be hard for a professional.
Consumer complaint received 2024-02-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Affirm Holdings, Inc (CA)

XXXX XXXX  loan taken out in my name and Affirm sent me email correspondence with loan breakdown for small amount ( XXXX dollar purchase ). I immediately called Affirm and they said they would investigate. I did not hear back from them and called again after a week. This time, they had no record of me. Their representative on the call did not seem legitimate by the way they were speaking. A few days later, I received another email and it said they concluded the investigation, and I am responsible for this loan. On the first call, they identified a phone number linked to the account which was not mine. The person who opened the account in my name used my email, husbands email and our phone numbers.
Consumer complaint received 2024-02-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (GA)

I contacted InComm by phone on XX/XX/year> ( XXXX ). 

I was given a {$200.00} XXXX XXXX card for XXXX. I attempted to use the card on XX/XX/year> and there were XXXX dollars on the card because a fraudster somehow stole the card and used the funds in XXXX separate transactions on XX/XX/year>. When I attempted to use the card on XX/XX/year>, the card was still in the untampered package. The merchant tried to scan it and it did not go through. I called the # on the back of the card and discovered the card had {$0.00} remaining. 
InComm took my dispute ( XXXX ) and required that I provide my name, DOB and mailing address. I completed all the requested paperwork, but today they emailed me requesting that I send them copies of the original packaging, front and back. This is no problem but they also want a copy of my receipt. I don't have a copy of the original purchase because the card was a gift. I'm escalating this issue to the CFPB now because I know that without the proof of purchase, InComm is going to deny my request. InComm should know what specific store received a card and they should be able to make a reasonable decision based on where the card was purchased ( Georgia ) versus where the charges occurred. There are several outstanding lawsuits against InComm for shoddy security practices or potential internal company fraud.