davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX i came to the realization that multiple transactions were done on my XXXX  account and my coinbase account using my debit card to a total amount of {$3600.00}. These were transactions were not done or authorized by me and when i realized it i promplty called XXXX XXXX XXXX and also called my financial institution Bank of america to dispute the charges. None of the companies were of any help, stating that the transactions seem to have been authorized by me. That's absolutely not true and i have only filed a claim once with bank of america in the 12 years that i have been with them. XXXX  from what i have heard are terrible as far as disputes go. The funds that were transferred to XXXX  were used to buy bitcoin and the crypto was sent somewhere. Same with the funds from coinbase. This has put a huge financial strain on my family since we are now out {$3600.00} and have had no empathy from the financial instution that i am supposedly a preferred member with. All i want is to be refunded the funds that were taken out of my account. It took them over a week to investigate and say that this was apparently authorized by me. This is unacceptable. My family and i need need our funds back asap.
Consumer complaint received 2023-02-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I mailed a negotiable instrument to wells Fargo branch at XXXX XXXX XXXX XXXX XXXX CA XXXX for the amount of XXXX XXXX I previously went in there with the original copy of the bill of exchange but they refused to accept it because they said it wasn't signed under seal. So I signed it with my corporate seal and mailed it to them with very basic but clear instructions asking them to discount the bill of exchange and transfer the funds to my account number. I also put In the instructions to send the bill of exchange back to me if they couldn't accept it. Well they did neither the bill was sent registered mail to the wells Fargo branch on XXXX XXXX XXXX in XXXX CA it was received by them on XX/XX/2022 I have the receipt from post office showing they received the package. I think it's wrong for them to have kept the negotiable instrument that was filed correctly under Uniform commercial code
Consumer complaint received 2024-04-16
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: EQUIFAX, INC. (TX)

On XX/XX/2024, I mailed a dispute letter to Equifax disputing the completeness and accuracy of accounts on my credit report. I recently received a response from Equifax that was issued by them that they received my dispute but they would not process it because they are assuming it is from a XXXX party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that XXXX do its job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Driver 's license and proof of address.
Consumer complaint received 2024-04-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (NY)

My name is XXXX XXXX. 

On XX/XX/XXXX, XXXX initiated a {$22000.00} wire transfer from my XXXX account under my full name, XXXX XXXX, with my address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX, to my Chase account under my name. 

During the wire mistakenly, we missed a number, and the wire ended up in another person 's account who is deceased. 

On XX/XX/XXXX as I still hadn't received the transfer the Chase representative had already promised on the recorded line that the wire would return to the source within a couple of days. 

When I followed up on this matter, Chase then alerted me that I should call a XXXX attorney without any explanation of what the attorney should do or what the issue was that I couldn't retrieve my {$22000.00}. 

In the meantime, I'm missing the {$22000.00}, which I was depending on to cover my XXXX XXXX XXXX 's medical expenses after her Stage XXXX XXXX diagnosis. 

It has come to my attention that I'm protected by the Electronic Fund Transfer Act of 1978 ( EFTA ) ( 15 U.S.C. 1693 et seq. ), which was enacted to protect account holders for these situations. It is my understanding that the bank has a responsibility as a financial service to assist in resolving problems for their customers.

I hope you can assist me in rectifying this issue.

Thank you in advance for your assistance.
Consumer complaint received 2023-10-11
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PNC Bank N.A. (FL)

THIS IS THE THIRD TIMES REQUESTING THIS FRAUD ACCOUNT DELETE FROM MY CREDIT REPORT BY LAW. 


THIS PNC BANK CHARGED-OFF ACCOUNT WITH A BALANCE OF {$1300.00} IS FRAUD AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 

I NEVER OPENED THIS FRAUD ACCOUNT AND NEVER LIVED AT THIS ADDRESS ON FILE FOR THIS CARD. 

DELETE THIS INACCURATE FRAUD COLLECTION CHARGED-OFF FROM MY CREDIT REPORT.
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/year>, Bank of America took a payment from my checking account to apply to a credit card. This was a double payment so my account went into the negative by {$480.00}. I called in on XX/XX/XXXX and was told that the money could be sent back as a partial payment refund and would take 7 days. I called in again on XX/XX/XXXX and was told to wait 30 days from the date of original call. On XX/XX/XXXX I received a letter stating that the money was refunded but no money is in my account. I was then told it would be an additional 30 days from there. This bank is following abusive and deceptive and unfair business practices by continuously extending the time line for repayment. I am concerned that this will be extended for many more months from this point all with them keeping my money with no interest paid to me.
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (NC)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such an account and also other documents so I may review to see if this is actually an account that belongs to me
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (AZ)

On or about XX/XX/2024, Truist Bank held approximately {$2400.00} in my XXXX  bank account for 60 days. Then on or about XXXX, XX/XX/XXXX -- which is after the 60 day hold period, the withdraw activity on the account is still unavailable. No stated reason for the bank violating its own policy was given. And blocking withdraw activity for more than 60 for days for no stated reason days feels wrong. I'm guessing it's illegal. And I want access to my funds immediately.
Consumer complaint received 2018-10-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I purchased a car from XXXX XXXX XXXX XXXX the finance manager told me I had to have extended warranty to get loan ... .when Capital One Auto Finance called to verify loan info .. they made me aware that I didnt need extended warranty to get loan ... I informed Capital one representative that I didnt want the extended warranty and that the dealership told me I had to have it to get the financing approved. The representative from capital one said I needed to contact the car dealership which I did ..they said they would cancel the extended warranty and that they wouldnt redo paperwork it would just shorten the loan period. I called back Capital one and wxplained to them what finance manager had told me ... Capital one rep didnt act like it was anything to be alerted about ... I was unaware of the this credit of ext warranty not happening in a timely manner .. I feel like capital one knew I didnt want extended warranty at all and they should of contacted the dealership as soon as I made them aware of the situation.. Im not in the loan business and I feel like they took advantage of my ignorance ( I didnt realize I would be paying interest on this amount for something that I told Capital One I never wanted and was deceived into thinking I needed to have for the loan ) capital one told me its not their problem and that I would need to take up with dealer if I wanted the interest and fees rebated .. I feel like the dealership and Capital one are clearly guilty of deceptive practices. The warranty is still not credited to my auto loan. I purchased the car XX/XX/XXXX had to follow up with XXXX XXXX XXXX mult times asked him on XX/XX/XXXX how he sent cancellation form ( email, fax or easy care website because they never received it ) .. finally had confirmation from extended warranty they received on XX/XX/XXXX they explained could take as long approx XX/XX/XXXX for dealership to have check for extended warranty and then would send it to capital one .. all the while Im being charged on that amount for something I never wanted and not even guaranteed a time frame of being credited.. I believe both XXXX XXXX XXXX and Capital One Auto are guilty of unfair, deceptive, predatory lending practices. Please see attached part of email from finance manager asking me to cancel dispute with Capital One.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I had a Wells Fargo account for many years. In 2013 I was in XXXX XXXX. for a court date .Court was out after the bank closed. It wouldnt take my deposit. I called the bank and they wouldnt give me a reason, the male person who was rude said I must go in bank. Tried to explain that my son in law who was a XXXX XXXX was XXXX  and I had to be in court, and was unable to make it. I didnt want to be overdrawn and I explained, I would be. He said he couldnt help me. I was in court for 2 weeks. When I got home I was overdrawn with lots of charges. I tried to explain to the bank in XXXX XXXX I was told they couldnt help me my account was flagged. I also had a life insurance policy I had paid on for years with the bank, I lost that also. I never understood what happened nor did they give me an explanation. 
Sincerely XXXX XXXX
Consumer complaint received 2024-05-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (PA)

I am unaware of this charged off debt and didn't have an opportunity to dispute this information. If, in fact you believe that you gave me proper notification, please send me the certified mail receipt with my name and signature on it. If this can not be provided, please remove this account from my credit report immediately pursuant to the laws below : 1. Company has not provided validation of information under 12 CFR 1006.34 ( b ) ( 5 ), yet has placed this chargeoff of my consumer credit report.

2. I have not been given a chance to dispute this account according to 12 CFR 1006.34 ( c ) 4 ( I ).

3. Company is violating my consumer rights by using false, misleading and deceptive means.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In XXXX of XXXX, I requested that XXXX update my student loan balance. I sent them the balance statement and the forgiveness letter. XXXX stated they gave this information to XXXX and that it is XXXX that is refusing to update the information. XXXX keeps sending me an old balance from XXXX of XXXX, and now they are refusing even to let me dispute the amount stating " We have investigated, and this is the balance owed ''
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-05-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital one credit XXXX XXXX XXXX XXXX Law XXXX usc XXXX ( c ) that law clearly states If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer.
Consumer complaint received 2023-11-20
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. (FL)

account number XXXX XXXX XXXX  63 months the account is currently showing closed but appears as a negative entry on my consumer credit report THIS is a direct violation of the credit reporting act 15 usc 1681 and the Graham Bailey Act i have no knowledge of this account and the company failed to provide each of these things as I REQUESTED IN WRITING : THEY HAVE COMMITED IDENTITY THEFT, VILATED MY RIGHTS TO PRIVACY AND MY CIVIL RIGHTS AS IT PERTAINS TO THE FAIR CREDIT ACT 15 USC 1681 ( 1 ) There was no validation of the debts by actual accounting ( 2 ) There was no validation of each creditor 's claim against me as my name as its listed is a fictious entity. I XXXX XXXX, currently of SOUND BODY AND MIND STATE THAT you must delete the entries on my consumer credit report due to identity theft in that you are in direct violation of the Fair Credit Act ( 3 ) : No signed invoices EXIST ( 4. ) There was no binding contract by both parties sent by certified mail so that your verification of the delivery has been made by a unbiased party. ( 5 ). There is no wet ink signature by both parties ( 6 ) or ANY OF THE SO-CALLED CREDITORS was not told that I was creating a contract with my wet signature because there is none. A contract or a signature on my behalf or theirs because a contract can not be made by a soulless legal fiction therefore this did not take place. Therefore, no legal entities or a third party can collect on their behalf. Furthermore A crime of forgery has been reported to the local authorities against your clients by Myself and there is an open civil proceeding in the county court in which the case number will be referenced once legal action is taken against your client and an identity theft report will be sent to you via the proper mailing procedure to ensure you are following the Laws as referenced in the Fair Credit Act THE COMPANY SOLD INFORMATION WITHOUT MY WRITTEN CONSENT FOR PURPOSES NOT ALLOWED BY THE LAW ( See the federal trade commissions notice of penalties offenses regarding non affiliated third parties ) If you receive NPI from a nonaffiliated financial institution, your ability to reuse and redisclose that information is limited. The limits depend on how the information is disclosed to you. It does not matter whether or not you're a financial institution If you share their NPI with nonaffiliated third parties outside of three exceptions ( see " Exceptions '' ), you must give your consumers and customers an " opt-out notice '' that clearly and conspicuously describes their right to opt out of the information being shared. An opt-out notice must be delivered with a privacy notice, and it can be part of the privacy notice
Consumer complaint received 2024-04-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

I originally purchased the car via a loan from my local XXXX XXXX. Somehow in that process, Ally bank ended up with my car loan. I have had repeated issues with their website and billing system, but auto-pay generally worked. I have reached the end of my loan and currently owe somewhere in the neighborhood of {$23.00} ( or XXXX or XXXX cents, depending on if you believe the website, or the people in the call center. ) I went in and attempted to make a payment previously, but the website gave me a stern warning that because I was enrolled in auto-pay that I should not do this as I would be double charged, so I stopped and was going to let the auto-pay go through for the final payment. 4 days before the auto-pay would have taken the money, I got a letter from Ally stating that auto-pay wouldn't work for the remainder amount because its not a full payment and that I needed to manually pay the final amount. Ally 's XXXX system for their website doesn't appear to work either via text or the phone call option, so every time I want to log in I have to call and get my password reset - as this is the only way to bypass their non-working XXXX system. Any attempt to use their website across XXXX separate computers and XXXX different browsers all result in the same issue - a loop where the payment screen forces you to go to the payoff quote screen, which sends you back to the payment screen, which sends you back to the pay off quote screen in an infinite loop of fail, but no option to actually make a payment that the website will accept. The call center has been less than helpful, generally advising me to wait an hour and try it again- which I have done for 4 days now - but no, just be patient, this time it will really work ( n.b it didn't work. ) They also helpfully allow me the option to pay an additional {$5.00} to some third party company who would pay them the $ XXXX, but I refused this option on the principal that I shouldn't have to pay some other party {$5.00} to pay Ally the $ XXXX. Ally shouldn't be able to weaponize their technological incompetence to force additional money out of me.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (IL)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2024-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (NJ)

I received a letter from Credit Management Company attempting to collect a debt ( copy attached ). I responded to their letter via certified mail on XX/XX/year>24 ( receipt and proof attached ) requesting that : As allowed under the Fair Debt Collection Practices Act ( FDCPA ), I requested that they validate the alleged debt. The request was a twofold-validation of debt and HIPAA authorization . I requested they provided breakdown of fees including any collection costs and medical charges.Provide a copy of my signature with the provider of service to release my medical information to them. And to Cease any credit bureau reporting until the debt has been validated by me. 
On XX/XX/year>24 I received a letter in the mail from Credit Management Company stating that they expect a settlement of the debt but did not include any validation documents as per r the Fair Debt Collection Practices Act ( FDCPA ). I encourage the CFPB to conduct a full investigation on XXXX Credit Management and their deceptive and abusive debt collection practices. I can almost guarantee that Im not the only consumer they have done this to and unfortunately not everyone is aware of their rights.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Sec 602 which states, I have the right to privacy. Under 15USC 1681 Sec 604A Sec 2, it also states a consumer reporting agency can not report an account without my written instructions under 15USC 1666B a creditor may not treat a payment on a credit card account under an open consumer and credit card plan as late for any purpose.