davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-02
Product: Credit card or prepaid 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: CITY NATIONAL BANK (CA)

CNB Crystal VISA Infinite # XXXX I reported my credit card as lost/stolen, and my IDs, around XXXX, via calling the number on the back of my card. There were a few charges on the card, which I reported as unauthorized, which were as follows : XXXX XXXX # XXXX {$74.00} Posting Date XX/XX/2020 XXXX XXXX {$18000.00} Posting Date XX/XX/2020 XXXX XXXX XXXX XXXX {$21.00} Posting Date XX/XX/2020 It is important to note that all these charges went through, and processed, without the bank ever sending me a text, or calling me, to verify, whether I am, indeed, making such big transactions. 

On XX/XX/2020, I received an email from XXXX XXXX ( please see attached ) with a request to sign an affidavit, so that they could process my claim, which I did, and emailed them on the same day ( please see attached ). Credits were then applied to my account. 

On XX/XX/2020, upon logging into my online banking account, I noticed that the credits have been reversed. I called the number on the back of my card again, and was told, a letter has been sent out on XX/XX/2020, stating these charges have been determined not to be fraudulent, and I have been re-billed by the merchants. 

What has happened here is absolutely unacceptable. Since XXXX that I reported the fraudulent activity on my credit card, I never received a call/letter from CNB, requesting additional information, prior to my claim being denied, even though, under penalty of perjury, the bank had been provided with a signed declaration of fraudulent activity. Since the claim, I have also filed a police report # XXXX with the XXXX Police Department, showing that the purchases were not made by me or anyone I know. 

This is a violation of my rights. According to laws and regulations, for any unauthorized charges made on my credit card, if reported promptly, I must not be held liable. If the bank decides to deny my claim, I must be provided with an explanation that sets forth the reasons for the banks belief that the billing error alleged by me is incorrect, in whole, or in part, and I must also be provided with copies of documentary evidence that was used by the bank in determining my indebtedness. 

Given the police report that has been filed, under the penalty of perjury, as well as the prompt reporting of the unauthorized charges on my credit card, I would appreciate it, if CNB could reconsider its decision, re-open my claim, and reimburse me for the fraudulent charges that has occurred on my credit card. 

If CNB still decides to deny my claim, after the new information that has been provided here, I, hereby, request the bank to provide me with the documentary evidence used in making this conclusion. 

Thank you for your time and consideration. 

Sincerely, -XXXX XXXX
Consumer complaint received 2022-11-01
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) Experian, XXXX, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX Date Opened : XX/XX/2016 Balance : {$32000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-01-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (CA)

I recently tried to apply for a new credit card and didn't get accepted due to a collection n showing on my credit report. I was unaware of the bill and would have never found out the bill existed if I hadn't run my credit report.
Consumer complaint received 2021-01-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (OH)

In XXXX, XXXX, my son and I leased a XXXX XXXX XXXX and Ally Financial financed the deal. The lease was for 24 months @ XXXX miles per year and we purchased XXXX additional miles at the time of the lease inception, allowing XXXX miles per year or XXXX per month. Any unused miles were to be reimbursed at XXXX cents per mile up to XXXX miles. There were 22 miles on the vehicle at the inception. The vehicle was due to be returned in XXXX, XXXX, however, Ally offered lease extensions up to 6 months. They advertised on their website at the time that due to the pandemic, you could extend the lease and that there would be no changes from the original contract. I contacted Ally several times before extending the lease to ensure that would be the case and to verify the mileage we would be allowed. In one conversation via chat, I was able to save the chat indicating that what was on the website was accurate. SEE ATTACHED. We decided to extend the lease by 4 months. We turned the vehicle in to the original dealer ( XXXX XXXX ) in XXXX, Ohio, on XX/XX/XXXX with XXXX miles on it. According to my calculations, we should have received a refund for unused mileage in the amount of {$960.00} ( see below ) Miles allowed after the four month extension : XXXX ( XXXX months ) =XXXX miles XXXX used ( odometer at turn in ) : XXXX miles Miles purchased and not used : XXXX miles XXXX XXXX per mile = {$960.00} Ally for unexplained reasons issued a refund of XXXX. I have contacted the company numerous times to see why they issued the refund that they did. I have talked to individuals in the their lease termination department XXXX ( XXXX, XXXX ) and left messages for their supervisor ( XXXX ). Never got a return call. XXXX referred me to another department, ( XXXX ) and I spoke to XXXX. She referred me XXXX XXXX and I spoke to XXXX ( XXXX XXXX ) two times ( and emailed twice as well ) who claims she referred this matter for resolution. I am no longer willing to invest any more time and wish to file this complaint. I realize the amount of money is not great, but the money belongs to my son and I want him to receive it or at least an explanation why he did not get refunded the amount that we calculated. I was able to determine that they added XXXX miles to the original allowance ( total XXXX ) and refunded based off of that number, but that is an entirely arbitrary number and not one that could be arrived at if going by the contract. My frustration with this company is extremely high based on the number of the attempts I have made to resolve this and their entire lack of response. It seems their attitude is take it or leave it. I hope you are able to help.
Consumer complaint received 2021-01-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (CA)

I received an attempt to collect a debt from Waypoint on XXXX for the amount of {$100.00}. This is to collect from XXXX XXXX. I used their internet service from XXXX XXXX to XX/XX/XXXX in a condo I own. I moved to a new home in XX/XX/XXXX that uses a different internet provider. The renter of the condo is now using XXXX for internet so a technician came to the condo to set up the service and pick up the old router I was using and provided a new one to the renter. XXXX now claims their technician did not pick up the old router as they have changed their policy as they used to do that service but do not now. I do not have the router and XXXX did not do any research to find out where it is. 
Therefore I do not owe the fee for the equipment. 

I have contacted XXXX several times from XXXX XXXX to present and the conversations go no nowhere as they refuse to believe I do not have the router and understood the technician picked it up during the install.
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

At this time, I respectfully request a copy of my XX/XX/XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX, CA XXXX. Your professional cooperation will be greatly appreciated. XXXX XXXX XXXX
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

At this time, I respectfully request a copy of my XX/XX/XXXX and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX, CA XXXX. Your professional cooperation will be greatly appreciated. XXXX XXXX XXXX
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (LA)

In Louisiana, the statute of limitations for debt collection is as follows : 1. Open Accounts ( e.g., credit card debt ) : The statute of limitations is three years. This means creditors have three years from the date of the last activity on the account to file a lawsuit to collect the debt.

2. Promissory Notes : The statute of limitations for promissory notes is five years.

3. Written Contracts : The statute of limitations for written contracts is ten years.
Consumer complaint received 2021-08-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc. (NY)

they called my house regarding a person that hasnt lived here in 8 years. i told them so and they keep calling. 

so i called them this morning upset and they hung up on my 5 times. i cursed at them because they kept speaking over me but they were not being nice and have not removed me from their dialer that keeps calling.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and need to be REMOVE COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXXXXXX-Date of Inquiry XX/XX/XXXX XXXX  XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2024, I deposited a significant check at my bank, where I've been a customer for nearly XXXX  years. Later that day, I was surprised to receive a notification that the bank had placed a hold on the funds. The notification stated concerns about the check 's validity, and the funds might be hold will last for approximately XXXX business days, excluding weekends. 

While I understand that large deposits may not be immediately available, a five-day hold seems excessive. Surely, verifying a check 's authenticity can be accomplished more quickly. 

The attached A/c # is the transaction id, instead of an actual account number.
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (IL)

I edited the XXXX for US Banks credit card XX/XX/2022 with new bank account XXXX XXXX XXXXXXXX ) information to be withdrawn. However, the payment of {$160.00} on XXXX XXXX XXXX XXXX XXXX  payment was processed from an old bank account ( credit union ) that did not have sufficient funds. I called the institution and requested that the transaction be canceled as on my end online the payment information was being displayed with the new bank account. There was no way for me to visualize that the payment was going to be processed from the old bank account as I had deleted the old account from the system. The XXXX screen showed that my future payments would be made from the new bank account. The old bank account did not have sufficient funds as I was no longer planning to use it and I incurred a not sufficient funds fee. The customer service representative and the supervisor did not acknowledge that the information had not been updated in the system, they did state that they see the XXXX edit done by me in XX/XX/2022.
Consumer complaint received 2021-01-02
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: EQUIFAX, INC. (MD)

On XX/XX/XXXX, I received an alert from XXXX  that let me know that my credit score had dropped do to a 30-60 past due payments. I am questioning this report. I have set up bill pay with my bank and have confirmations that all my checks for XXXX XXXX were sent out. 
I did have a problem in XXXX because my checking account was hacked, and I did call to inform the company that I needed them to hold the check until I contacted them but that did not stop my future payments from coming to them on my behalf. 
I know that do to the pandemic that the mail has not been running the way it should be and a lot of letters or payments that we should receive in a timely manner have not come. I called XXXX XXXX so that I could get a letter for my lender about the current payment that I made and the letter is contradicting to what was put on the credit report. I have been a customer of XXXX XXXX and have always reached out to them if there were any issues. I also contacted the company on XX/XX/XXXX and let a message for the owner to get back to me and that was not done and today is XX/XX/XXXX with still no response. I also reached out to Equifax and they told me that the information provided did not add up with the letter that I read to them. I forward them the same documentation that I forward to XXXX XXXX for one of the companies to correct this as quickly as possible. I was informed by Equifax that would have to correct my information based on the letter because it is contradicting.
Consumer complaint received 2022-11-01
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: EQUIFAX, INC. (NJ)

This is XXXX XXXX and I am submitting this CFPB complaint as a follow up to my previous CFPB complaint that I submitted to the Credit Bureaus. I sent a letter on XX/XX/XXXX, requesting to the Credit Bureaus to remove the accounts, inquiries, and personal information that are UNKNOWN to me. I came across the Federal law and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaints # XXXX, # XXXX, and # XXXX, I am including these fraud items once again. If it is not too much to ask, please remove the following accounts and information as soon as possible from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (KS)

I was contacted by a loan originator from Amerisave Mortgage Corp on XX/XX/2021. They offered to give me a loan estimate to refinance my home and to beat any other loan estimates. They used high pressure sales tactics to obtain a credit card to secure the loan and begin the loan process. Meanwhile, the originator knew I had been dealing with another company and had locked a loan in with them already. They used bait and switch tactics after signing and floated the home rate instead of locking in. The next day the loan estimate rate was higher and the closing costs fees were higher as well and I was unable to access the original estimate. They also did not inform me that the credit card fee was non-refundable and I was told that is was for the home appraisal fee and that I would still be allowed to shop interest rates with other companies. All of this felt very uneasy to me. I contacted them the next day on XX/XX/2021 asking for a return of my fee and would like to close any further proceedings and asked that my card be credited via chat and email, but all of my requests were ignored and I was not allowed to speak to a supervisor and he insisted on escalating my file. This is predatory lending and this company needs to be accountable for preying on consumers. I would like my {$500.00} refunded to my card.
Consumer complaint received 2021-01-02
Product: Credit card or prepaid 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: Synovus Bank (FL)

XXXX XXXX XXXX  in XXXX, Texas charged my credit card for {$6700.00} via a Synovus Bank Debit Card. 
I had reported the card lost / stolen to the XXXX Police Department in XXXX of 2020. 
I'm disputing the transaction plus many more on the Credit Card. 

I had advised Synovus bank that the card was lost or stolen and they issued me a new one. This is not the only incident that I have had at this bank in the past. 

There was a fraudulent charge of {$850.00} in XXXX, Alabama XXXXON THE SAME DAY. that took my account balance down to {$0.00} the charges were consecutive in the amounts of XXXX, XXXX, XXXX, XXXX until my account was XXXX. I was in XXXX XXXX, Florida at the time and could not have made the charges. IT took Synovus bank 8 days to refund the money to my account! WHICH MADE IT EXTREMELY HARD TO LIVE, EAT AND MAKE PURCHASES.
Consumer complaint received 2021-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I had a problem with identity theft first off. I never took out all the loans amounts that shows up on my credit report. I ask for the credit company to verify the amounts dates and loan amounts are correct on my credit report. I know I am a victim of fraud. But I am XXXX can't get them the information they need because I am XXXX. Basically I can't run around town to fax 's or mail paperwork. They are not doing there job to protect customer for information they don't verify debts or times even when they asked to do is. I think it all a scam to get money out people with false reporting. Even after I let them know I am a victim of identity theft