davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (TX)

This is a collection attempt by Online Services Information Services for the amount of {$1200.00}. I have no idea who they are or what they are collecting for. I found out about it by looking at my credit report from XXXX credit reporting. It appears they were trying to find my current address. They have never contacted me about these charges so I have no idea what they are for.
Consumer complaint received 2024-02-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (GA)

On XXXX XXXX, XXXX XXXX, and XXXX XXXX Freedom Mortgage tried auto drafting my partial ( bi weekly ) 3 times, each causing NSF from my bank. I manually paid the amount on XXXX XXXX and returned payments to monthly payments on the XXXX. Today, the XXXX, I receive another NSF for the XXXX and confirmed with the bank they attempted to draft again. Two different calls with freedom ended in " we didn't pull that payment, the bank must have tried to send it or something else ''. I repeatedly asked for a manager or some type of escalation but they refused. Ultimately, I placed a stop payment with my bank for the specific partial payment amount to avoid this. I'm now out an additional {$29.00} because freedom refuses to acknowledge their mistakes.
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NEW YORK COMMUNITY BANCORP INC (MI)

I was recently divorced and on XXXX it was finalized. Upon getting ready to do my taxed I found that my ex-wife went online to irs.gov created a idme.gov account and in XXXX of XXXX she had all money and letters sent to her and money deposited into her bank account ( XXXX ) at Flagstar Bank in XXXX MI. 
XXXX time only when I deposited a check we both received and signed it on the back and deposited it into her bank account it was sent back to us saying " PAYEE NAME NOT ON ACCOUNT '' She was told that we had to open a joint account Even after having the joint checking account money of our was still deposited into her bank account ( XXXX ) ONLY..?? 
She received checks in both our names in XXXX of XXXX or XXXX XXXX of XXXX and we went to branch and branch deposited all money in her account?? 
They asked where to deposit the money and I replied as the checks state My ex-wife said her account and that's where it went??? 
Attachments are only for federal tax returns and some stimulus money? 
I don't know how much she received for me from the state with XXXX having the kids.
Consumer complaint received 2024-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I used the XXXX plug in on the capital one app to purchase a car on XX/XX/2024 for XXXX dollars. Never received the car. Disputed it with capital one, they denied it citing XXXX terms and services. Told me to contact zelle for more details. I did. XXXX couldnt even access the transaction because it was through my financial institute not directly through them. Said they dont have access to my banking info. Told me because I paid for an item I never received, my bank would have some kind of purchase protection and to call my financial institution back and dispute it as item never received. I did. Claim was denied again. I reopened it after filling a police report. After being advised this was an unauthorized transaction since the person I was doing business with IS NOT the person the money was sent to. I do not know, nor have ever spoken to XXXX XXXX ( the recipient ). I was doing business with a man named XXXX XXXX. Provided details of report including detectives name and number. Claim still denied still citing zelle. I just got off the phone with XXXX and they just told me the same thing again contact capital one and the transaction was not directly through their app
Consumer complaint received 2024-02-09
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In late XXXXXXXX XXXX XXXX, I received some back pay from the XXXX XXXX Department and within a few days I noticed that there were several XXXX XXXX transactions totaling {$2300.00} that were withdrawn from my BANK OF AMERICA pre paid card account. Immediately after realizing that I had been robbed and that there was money taken from my account without my knowledge or consent, I contacted Bank of America claims dept and filed a report ( XX/XX/2023 ) .On top of the inconvenience this has caused me and my family, i have been very patient and calm throughout this whole " investigation '' that has been going on for 4 months now with no resolution. I have personally went into the Bank of America branch near my house and have faxed them the necessary documents and paperwork they have asked for to help resolve my claim and have my money returned to me in a timely matter. Included in those faxes were a COPY OF THE POLICE REPORT I made along with an IDENTITY THEFT AFFIDAVIT I filled with IRS. Furthermore, I faxed them a copy of an email I received from XXXX XXXX that stated they were closing an account with my name on it due to fraudulent activity and suspicious transactions. I have called every day for 4 months trying to find out were my money went to and when they were going to replace the funds but I'm still here waiting for a resolution and feedback is to WHERE AND WHO took my money. Very stressful and unhealthy for me to be going through this when I need to money to buy my prescriptions and other mandatory health medication.
Consumer complaint received 2024-02-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (AZ)

I had my chime account for about 2 years. I had my chime account linked to my XXXX XXXX  account and then my email and chime account and phone were hacked and stolen and I've tried to resolve this with no help and no solution from the company. They just tell me I can't open an account with them and I had deposits going into that account. I have the original debit cards and proof of my identity. Im with XXXX # XXXX.
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

I sent a check through XXXX  to Citibank on XX/XX/XXXX with a due date of XX/XX/XXXX. They claim they received the check on XX/XX/XXXX and charged me a 30 late fee and XXXX interest. 
I believe the check was received at Citibank and they sat on the check instead of depositing on receipt. The same issue happened the previous month. Their solution was I should call them each month to make a payment over the phone or use their app to make the payment.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PENTAGON FEDERAL CREDIT UNION (FL)

Im a XXXX XXXX XXXX cardholder on vacation in XXXX ( XXXX ) where my card has been declined at every single merchant ; using any type of card-present transaction ( Chip, Tap-and-go, Apple Pay ) for my account XXXX. 

This new XXXX credit account was established by me recently with the purpose of achieving my {$3000.00} minimum spend requirement during my month long holiday to XXXX, XXXX and XXXX. As of this writing on XX/XX/2023 XXXX has made it impossible for me to use this card overseas. 

I have contacted XXXX and spoken to more than XXXX different individuals there since XX/XX/2023 about my challenges while abroad in international calls at my own cost. This is no exaggeration ( check your records ) ; XXXX has XXXX XXXX notes ; and those calls are recorded. The purpose of this complaint is to reach a higher-level department outside of those previously involved to finally resolve this issue = allow me to use my credit card overseas ( physical, card present and apple pay kind of transactions )! 

XXXX has made me contact multiple departments over the course of this ordeal. Namely : XXXX Member Services ( aka PenFed themselves ; CC issuer ) Cardmember Security ( apparently a VISA or external vendor party to PenFed ) On XXXX, XX/XX/XXXX- I spoke to XXXX XXXX from XXXX XXXX XXXX who wasnt really helpful. She was escalated directly from a supervisor of XXXX XXXX named XXXX. He informed XXXX that all of my fraud risk profile had been adjusted and accounted for my travel notice ; and further confirmed that all my transactions patterns match the XXXX of a regular traveler. In other words ; the merchants I have been declined at like XXXX do not deserve to be flagged as declined.
Consumer complaint received 2023-08-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (TX)

On XX/XX/2019, the XXXX XXXX dealership ( XXXX XXXX XXXX XXXX, XXXX TX XXXX ) conducted contract fraud. The dealer made deceptive orders to sign a fraudulent installment loan contract. 15 U.S. Code 1692J prohibits deceptive forms. A car was purchased on credit, where CASH was utilized on my behalf for a downpayment. According to 15 U.S. Code 1662 dealerships are not suppose to ask for a down payment and installments. 15 U.S Code 1602G states we are the creditors. UCC 1 - 308 : All Rights Reserved. 15 U.S Code 1635 - Right of rescission as to certain transactions was not disclosed properly and faithfully. 
FINANCE CHARGE= SUM OF ALL CHARGES Finance Company involved : WESTLAKE FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2024-02-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NY)

Amsher colllectioms services, placed XXXX XXXX  collection onto my credit reports state I owed a debt to XXXX XXXX  I have no knowledge of the debt. I requested a debt validation never received
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

WHILE GOIN OVER MY CERDIT REPORT I NOTICE A NUMBER OF UNFAMILIAR ACCOUNT IN INQURYS THAT I DID NOT AQRIUE AFTER REVIEW THIS INFORMATION IVE TOOK STEP WITH THE LOCAL PD TO HAVE THESE ISSUE INVESTIGATED IN WOULD LIKE THEM TO BE REMOVE OF MY FILE.
Consumer complaint received 2024-05-27
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: GOLDMAN SACHS BANK USA (OH)

XXXX. On XXXX XX/XX/year> at approximately XXXX ET a text was received by my wife from Marcus : by Goldman Sachs stating that they had {$300.00} purchase from XXXX that they suspected as fraudulent. The text requested that she call immediately if she did not make this purchase which she did and told them that the purchase was indeed fraudulent. 

2. Information received from Marcus indicated that the purchase was made by XXXX XXXX phone from XXXX with an IP address of XXXX. We have XXXX mobile phones with a different IP address. Notes received from Marcus said that this was an operating system anomaly and IP address where purchase was made is inconsistent with billing state. 

XXXX. I have disputed this fraudulent charge two different times and merchant says they have proof that this purchase was made by us. The only proof they have is that our name and address is associated with scammed XXXX XXXX. Every time I call Marcus they say the call is being recorded, but they refuse to check their phone records on XXXX XX/XX/year> to prove that my wife called to inform them that purchase was fraudulent. We have been a customer for over 40 years with XXXX XXXX XXXX and it is very apparent that this is atypical usage of our card and outside of normal patterns. In addition a comment was made XXXX that our email address was associated with this account #. When someone steals your card #, our email would naturally be associated with it. 
XXXX. After XXXX unsuccessful attempts at disputing this charge, we were told that we are still be rebilled for {$300.00}.
Consumer complaint received 2024-02-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (TX)

I think this website is unfair to consumer that are victims of identity theft. I have a police report and know the person that stole my identity and still no one is listening. 
I have provided an affidavit, FTC report, and numerous other things to prove this is not my account. Even with a police report i just keep getting generic responses from the debt collector. Please someone help. I will not stop until this is removed. They are illegally reporting this item to my credit.
Consumer complaint received 2024-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (UT)

Fraud account with XXXX XXXX XXXX XXXX XXXX and while my credit is on freeze. This is now the fourth time. Good job America stating a credit freeze will help. False address is Address : XXXX XXXX XXXX Texas XXXX. Received a letter from Online Information Services with reference number XXXX Pin XXXX. On that letter the account number for XXXX XXXX is XXXX. XXXX owed {$470.00}. Called the not so helpful help line for XXXX XXXX and that can't seem to realize I've never lived in Texas ( as all of these accounts are Texas based ) and never will, they're having me file a report. I'm attaching my prior reports.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (CO)

I do not have an account with XXXX XXXX XXXX XXXX. This company is based out of XXXX. I have never lived in the state of XXXX. The collection agency is located in XXXX XXXX,. I have energy through XXXX XXXX XXXX XXXX in the state of XXXX  for the last 7 years. This account was somehow opened in my old last name. This is considered as fraudulent. I do not know this company. XXXX XXXX XXXX has been my XXXX company for the last 7 years and prior to that would be XXXX XXXX XXXX XXXX which that account is in great standing. 

I do not use this old last name anymore and any accounts opened in this old last name are fraudulent. Last name was changed due to marriage and any accounts opened after 2016 in my old last name are fraudulent.
Consumer complaint received 2024-02-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (FL)

This is a continuation to my original complaint XXXX. The company, XXXX, was notified by your department on XX/XX/XXXX and I was called by XXXX on XX/XX/XXXX and spoke with a woman who claimed to be an " investigator '' for my claim. We discussed the loan and I expressed to her that the final amount owed was double the pay off amount. The pay off in XX/XX/XXXX was ~ {$13000.00}, and the company was charging me {$24000.00} on my credit report.She said she would investigate that amount. I also requested through a verbal " Goodwill letter '' that the derogatory marks on my credit report be removed. She said she would look into that. She said that she would follow up with me and call me the week of XXXX XXXX. As of this day, XXXX XXXX, I did not hear back from her. 
It is quite obvious that this company is not serious nor making any concerted effort to resolve this issue amicably. Just as they have shown in the past 11 months. I am not going to waste my valuable time dealing with a party that has no true intentions in settling this dispute.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (OH)

Last month on XX/XX/XXXX, I sent a payment of {$40.00} through bill pay set up by XXXX. The following day I sent a payment for {$200.00} using the same method. My payments have yet to be applied to my account. 

The {$200.00} payment was cashed by your company on the XXXX. 

I expect this to be resolved immediately. I called for the 3rd time today and requested a supervisor. Not surprisingly, one wasn't available. 

This is the only company that I have issues with, in regard to bill pay. Every other company receives my payment and applies it properly in a timely manner.
Consumer complaint received 2024-02-08
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have XXXX XXXX  XXXX I been in and out of the hospital with my XXXXXXXX XXXX someone used my credit cards authorize Im a victim of fraud the cards that was used was my Macys card, capital one, Credit one I did not make the charges and would like them removed from my credit report please
Consumer complaint received 2024-07-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mortgage Lenders Investment Trading Corp (CT)

I closed on my property in Florida on XX/XX/2024. I received information from RP Funding that I would receive an escrow refund of XXXX. My wife and I had already moved to Connecticut and contacted RP Funding to change our mailing address. They had me fill out a form which I received and sent back on XX/XX/2024. I was told that my wife and I needed to sign this change of address so I did so and sent it back on XX/XX/2024. 

The web site for RP Funding indicated this check was produced on XX/XX/2024 and was being sent to the mailing address on file. Called mid XXXX to ask about the refund and was told that the check was cut and sent but could take up to 30 days to arrive. If not received in that time, we could request a refund. 

The check was not received as of XX/XX/2024 so I chatted in and was told that they would request the reissue even though it was a couple of days early. It was recommended I contact back on XX/XX/2024 to verify it was processed. 

I contacted again on XX/XX/2024 and was told the request had been submitted and it could take upwards of 30 to 60 days to receive the check. If I did not receive it by XX/XX/XXXX, I could request a reissue. I find this to be excessive and unacceptable on their part. They continue to give mixed messages back to me, such as 30 to 60 days to process and send the XXXX check, and I am also told that the check was produced and mailed. It is impossible to get the entire story. 

RP Funding refuses to give me satisfaction in this. They refuse to process this as an ACH refund and insist it be a check. I have yet to receive the XXXX check. In the meantime, I did receive a smaller check from them timely and have continued to receive multiple letters from them, all sent to my current address. If all this other correspondence is arriving in a timely fashion, why isn't this refund check coming in a similar timely fashion?