davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HYUNDAI CAPITAL AMERICA (FL)

Hyundai Capital America has failed to review the affidavits and identity theft reports ive sent them on numerous occasions. Ive also sent a letter of debtt verifcation and they have YET to give me the information ive requested under the consumer laws. 

I will be requesting {$1000.00} per violation and seeking pain and suffering damages for them slandering my name with identity theft and already have been paid with this loan on multiple charge offs XXXXXXXX XXXX XXXX 

Ive had to take a bad credit auto loan because of this paying 29 % interest rates. I will be seeking damages in full soon if this is not resolved, investigated and deleted from my consumer report. 

Ive also requested the send me the disclosures in this contract I allegedly signed along with a validation of debt. 


SEE ATTACHMENT OF NOTARIZED IDENTITY THEFT IVE SENT TO XXXX ALONG WITH VALIDATION OF DEBT REQUEST SINCE THEY ARE NOT FULFILLING THEIR DUTY
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

In XX/XX/2022 I mail a rent check from my XXXX checking account, the check was stolen, altered and subsequently cashed at XXXX  XXXX XXXX. I received notice that my landlord did not receive my check and when I checked my account it was very clear the check had been altered. I immediately contacted my bank and the post office and created a claim with both. Chase was very difficult to deal with as after numerous attempts by myself, my branch including the branch XXXX and assistant XXXX they informed me they finally had received all the documentation they needed, this process took over 6 months. 
After that Chase now submitted their request for the funds to be returned and then had to submit them 3 times before Chase would confirm to me that XXXX  XXXX XXXX had the documents but also said they could come back for more information. This process is so complicated for something as a consumer I have had to take on by myself, Chase basically said all they could do was ask Bank XXXX XXXX for the funds to be returned but no guarantee that could happen, so if they say no I loose my money. Chase and XXXX  XXXX XXXX are FDIC insured bank and with that and the obvious altered check I should not have to go they this crazy process because the reality is the check should never have been cashed to begin with and then once Chase received the check they should have kicked it back to XXXX  XXXX XXXX immediately and returned the funds to my account. 
I have several accounts with Chase and I feel Chase basically told newtoo bad!
Consumer complaint received 2022-11-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CA)

There are 2 complaints for Ally Bank. 
COMPLAINT 1 On XX/XX/22 I mailed a deposit to Ally. This is a normal monthly occurrence. On XX/XX/22 I received a call from Ally asking me for sensitive account information as there was a problem with the account. ( This is the basis for the 2nd complaint described below ). 

I refused to give the requested info and then called Ally on their XXXX number. 

The problem is Ally could not read the account number on the check I had mailed them and could not deposit it into my account. On a conversation on XX/XX/22 I read the Ally rep the account number. I was assured this would clear up the problem. 

As of XX/XX/22, at the time of this complaint filing, the check has not been deposited to my account and there has been no communication from Ally as to its status. 

I need the check deposited or returned to me. 

COMPLAINT 2 This complaint deals with the method in which Ally contacted me. The initial call from Ally ( XX/XX/22 ) sounded like a " phishing '' call. The rep said there was a problem with my a/c but I would have to provide sensitive info to identify myself. That is always a warning. 

Later that day Ally sent me an email to my XXXX account asking me to contact them. 

When you call Ally there are inordinate wait times to reach a representative. On XX/XX/22 I called at XXXX and had a wait time of XXXX minutes before getting disconnected. I call again later and had a wait time of XXXX hr and XXXX minutes. This was the call that I was told the matter would be cleared up. 

Ally has a secure web site with a " chat '' button. When clicking it over numerous days it did not work. 

Also on the Ally website there is a " secure message '' feature. I used that secure message feature and have sent Ally 3 messages ( XXXX, XXXX, and XXXX ) regarding this matter. Notwithstanding there website claim of responding to these messages within XXXX days, I have yet to be contacted by Ally on this matter. 

In summary, Ally engages in a dangerous " phishing call '' making people feel confident in giving sensitive account info on a phone line to a stranger. Ally has available a secured messaging system to do the same thing but does not initiate contact with the customer using this method nor do they reply to customers that use it. Ally does not allow users to converse via secure chat even though they have a chat button on their website. Ally does not provide a fast and secure method that allow customers to communicate with the bank for problems such as these.
Consumer complaint received 2023-06-12
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. (FL)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-10
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: AMERICAN EXPRESS COMPANY (TX)

From XX/XX/XXXX through XX/XX/XXXX, I was a resident of XXXX XXXX XXXX Due to the pandemic. During this time in my absence somebody gained access to my personal information. Someone made Unauthorized transactions using my American Express credit card. I did not have access to my account in XXXX XXXX it does not work so there was no way I could make those transactions. I contacted the financial institution. to inform them of this situation. American Express customer service department told me that they would investigate and notify me once they had their outcome of the investigation. As of XXXX, the XXXX XXXX I have not received any e-mail or regular mail regarding this situation the account Remains Open as I pay down the balance. There has been no reversal of the fraudulent transactions. I sent in all my supporting documents. I would like for American Express to reverse the fraudulent transactions and place my account back in a positive status I think that would be the correct resolution.
Consumer complaint received 2022-11-10
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AE)

On XX/XX/XXXX I had someone access my online banking account through USAA, on four different occasions ( XX/XX/XXXX, XXXX ) they transferred money into my account in the amount of XXXX $ from a XXXX XXXX XXXX based out of XXXX, Iowa Routing XXXX Account XXXX USAA then credited the funds to my account while the transaction was pending, the person with access then transferred the funds out of My USAA accounts to an XXXX bank based out of XXXX, West Virginia XXXX XXXX Account XXXX The Funds that were pending then turned out to be declined so USAA took those funds they credited back from my accounts even though the money was no longer there I am now XXXX dollars in debt. 
I have spoke to USAA multiple times and they are saying that I am liable for this.
Consumer complaint received 2016-06-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TN)

My credit card company ( Mastercard through Citibank ) is claiming I owe them {$1900.00}. This seemed high, since I usually pay at least the full account balance. I downloaded their statement balances through Excel and discovered my total debit comes to {$42000.00}. My total credit comes to {$40000.00}. I should only owe {$1400.00}, a difference of {$510.00}. That 's information using the numbers they 've provided for me. They refuse to acknowledge the discrepancy.
Consumer complaint received 2022-11-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company (IL)

I was sent to Merchants collection agency for a surgeon bill. I did not know I was sent to Merchants until I reached out to the surgeons billing department to ask them why I hadnt received a bill in some time. I was making payments to the surgeon, just not the amount they wanted. They notified me that I had been sent to Merchants. I continuously receive calls from Merchants and they do not state who they are or what they are calling for. I have not received any mail to validate that they are trying to collect a debt or what they are trying to collect, just phone calls with little to no information. I dont feel comfortably discussing anything with them over the phone until I receive some form of verification in the mail. Thank you for your help!
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (IL)

On XXXX, XXXX, XXXX, I called my skylight One XXXX at XXXX pay card concerning a FRADULENT!! ATTEMPT onmy pay card for ( XXXX for XXXX XXXX ) item was Declined, due to lack of funds in my skylight One account. Then a second fraudulent pay card Decline was for some place called XXXX XXXX, skylight One WOULDNT give me that fraudulent decline amount. Then a third Fraudulent Decline attempt on my pay card account was for something called XXXX XXXX skylight One would NOT disclose that amount to me either! Skylight Licked, cancelled my card ending in ( XXXX ), said they would forward my new card, I should receive by the XXXX of XXXX!! When I got paid today, ( XX/XX/XXXX )!! With no access to my card funds! And skylight quite answering phone! Put Me on HOLD XXXX XXXX mins at a time, and refuse to disclose to me any more information concerning their Pay Card Breach! Refuse to give me the phone number to XXXX Bank, who issues skylight One pay cards. I was able to set up a skylight One online account when I first got card XXXX, but after that initial set up I continued to be BLOCKED from getting to my online skylight One pay card,! and skylightOne NO HELP!! Requested to speak to a Supervisor MULITIPLE TIMES!! Was just left on hold! With HORRiBLE Music playing in my ears. To this point, I have Reported this fraudulent attempt to use my card to Local Police, of XXXX, IL. I have tried to reach NetSpend with NO SUCESS What SO EVER!! My Pay Funds are Frozen, and Skylight tells me They can't help me get to my pay funds!! That I just have to waitw for new card!! WHY?
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I hope this message finds you well. I am writing to bring to your attention a critical matter involving the erroneous reporting and collection attempts by XXXX XXXX XXXX XXXX, a junk debt buyer, regarding an alleged debt previously held by XXXX. 

This issue has significant implications for my credit history, as well as potential violations of the Fair Credit Reporting Act ( FCRA ). Despite the debt being officially removed from my credit report, XXXX XXXX XXXX XXXX persistently attempts to collect the claimed balance of {$690.00} without providing any valid documentation to support their position. 

I have taken the necessary steps to confirm the removal of this debt with XXXX, XXXX, and Experian, following the FCRA guidelines. Notably, the initial debt buyer, " XXXX  XXXX XXXX '', reported and subsequently removed the debt after proper verification, emphasizing the accuracy of the removal and casting doubt on the legitimacy of XXXX XXXX XXXX XXXX 's claim. 

I kindly request the Consumer Financial Protection Bureau ( XXXX ) to initiate a thorough investigation into this matter to ensure that XXXX XXXX XXXX XXXX complies with all relevant regulations. Their persistent attempts to collect on a debt that has been officially removed from my credit history not only violate the FCRA but also pose a significant threat to my financial well-being. 

In addition to the investigation, I urge the CPFB to issue a stern cease-and-desist order to XXXX XXXXXXXX XXXX XXXX , instructing them to halt all collection attempts, reporting activities, and any further actions related to the Sprint debt until a comprehensive resolution is reached. 

I appreciate your immediate attention to this serious matter and trust that the XXXX will take decisive action to rectify this situation. Please do not hesitate to reach out if any additional information is required.
Consumer complaint received 2022-11-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (MA)

On XXXX XXXX I filed complaint against Caine & Weiner collection agency of XXXX XXXX XXXX XXXX. The Caine & Weiner company response that they couldn't locate an account noted in my complaint.

See enclosed negative data my XXXX report posted by Caine & Weiner collection agency. 

XXXX XXXX XXXX failed to cancel my auto insurance within a timely request called in on early XXXX. The policy was set up to renew in XX/XX/2021. I request XXXX XXXX  to cancel the policy ahead of time. Did I have to speak to more than one person, a supervisor, some other associate? I don't understand. The agent I spoke to in XXXX impressed me that she understood that I was no longer interested being insured by XXXX XXXX for unsatisfactory reason ( s ), clearly stating I want the insurance policy canceled immediately. I manage to get a much better insurance policy at lower premium and extended coverage. I dropped XXXX XXXX  policy/coverage weeks before the renewal date. There should be a XXXX  balance. 

One would think that such a Huge company like XXXX XXXX XXXX whose worth millions of dollars would sabotage the financial status of the small guy who simply trying to stretch his dollars and save a little.
Consumer complaint received 2023-06-12
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. (OK)

There are multiple hard inquiries reported on my credit report. On my XXXX credit report, the following are unauthorized hard inquiries ; on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX also on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On my TransUnion credit report, there is a hard inquiry ON XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also on XX/XX/XXXX XXXX XXXX 
On my XXXX credit report, there is a hard inquiry on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I did not recognize any of these. I called the companies on my XXXX, XXXX and Trans Union report to request a deletion letter on XX/XX/XXXX, They said there is no account open in my name so they can not provide that for me. They suggested that I report it to the federal trade commission.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) on behalf of XXXX XXXX regarding the inaccurate information present on his credit reports with the credit reporting agencies, XXXX, XXXX, and TransUnion. The inaccuracies pertain to student loans, closed accounts, and hard inquiries, and they are adversely affecting XXXX 's creditworthiness and financial standing. 

Upon reviewing XXXX 's credit reports from XXXX, XXXX, and TransUnion, it has become evident that various inaccuracies have emerged, particularly in relation to student loans, closed accounts, and hard inquiries. These inaccuracies are causing significant challenges and hindrances to XXXX 's ability to manage his finances effectively and secure financial opportunities. 

I kindly request the following actions : A comprehensive investigation into the inaccuracies present on XXXX 's credit reports with XXXX, XXXX, and TransUnion, with the aim of rectifying any information that can not be verified or is erroneous. 
The prompt removal of any inaccurate data related to student loans, closed accounts, and hard inquiries in line with the Fair Credit Reporting Act ( FCRA ) and the CFPB 's regulations. 
Verification of all student loan information to ensure its accuracy and alignment with XXXX 's financial history. 
I firmly believe in the importance of fair and accurate credit reporting, and I trust that the CFPB will diligently address these inaccuracies to ensure the integrity of XXXX 's credit reports. 

Please keep us informed of the progress and outcome of this complaint.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IA)

Joint credit card opened in XXXX with former spouse. After divorcing in XXXX, I assumed financial responsibility of the card but former spouse filed bankruptcy and discharged the account in XXXX without my knowledge, severely impacting credit report. After reaching an agreement with and closing card with the bank it is inaccurate and being reported differently with all three agencies.
Consumer complaint received 2024-02-20
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. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.