davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

On XX/XX/2024, we ordered foreign currency from XXXX XXXX XXXX using my Capital One Venture X card. I was charged a Cash Advance Fee of {$26.00}. I called on XX/XX/2024 to inquire why I was charged the fee and was told because I ordered foreign currency. But I didn't order the currency from Capital One and I didn't not obtain cash from my credit line with Capital One. 

Last year, I ordered foreign currency from XXXX XXXX XXXX using my XXXX XXXX and was not charged a cash advance fee. 

When I called Capital One to inquire about their Cash Advance Fee, XXXX the agent said the fee is valid and I would be charged 29 % interest on the money every day until it's paid off. 

I just feel this practice is not fair and maybe not legal. I'd like to file this formal complaint against Capital One.
Consumer complaint received 2022-03-19
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. (GA)

I am been a victim of identity theft since 2018 i have complied with everything that was asked of me from police reports to ftc report to sending numerous or letters i may have sent over 300 letter to the company and nothing has been done i am a victim it would make since for items to match up with my information if someone has stolen my identity everything keeps coming back verified that would be correct with stolen identity
Consumer complaint received 2022-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (FL)

This is the third time in three months that truist has been out ; online access was completely down for the site on XX/XX/2022 ; wait times to contact a rep for assistance were over an hour and the lines kept disconnecting. 

Each time suntrust/truist locks me out of the account, I end up getting an overdraft fee from not being able to manage the account. This has happened in XX/XX/XXXX and in XXXX, each time coinciding with vendor/bank sided outage to the site, and no ability to contact customer service. 

I had to physically drive to a branch ( that reeks of XXXX and had customers stating hateful XXXX  comments about the tellers ) and while they were able to get me back into my account, they weren't able to help with the overdrafts, which ttuist is forcing by locking me out of my account
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (NC)

Equifax has inappropriately handled my private data in the process of their credit reporting. The breach of information that recently occurred has left millions of Americans at risk with little to no recourse. In addition, the transparency and reporting on this issue has been unsatisfactory. They have enabled private parties to access our information and have not given us appropriate means to defend ourselves.
Consumer complaint received 2021-09-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

On going loss mitigation negotiations. Specifically, met plaintiff 's XXXX short payoff demand. Provided proof of funds. Plaintiff 's servicer Faye Servicing has not been attentive in processing the XXXX 's XXXX short payoff transaction that has been pending several weeks before the scheduled foreclosure sale. 


FORECLOSURE CASE NUMBER XXXX FLORIDA XXXX LENDER PHONE NUMBER XXXX XXXX XXXX
Consumer complaint received 2022-03-19
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting Act U.S.C. 1681 & Fair Debt Practices Act 15 U.S.C. 1692 XXXX  account # XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 States : That a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692 Section 805 A States : A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.

15 U.S.C. 1692 Section 806 Section 5 : Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2022-08-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: KEYCORP (NY)

I was scammed by a XXXX XXXX  transaction wherein I talked on the phone with the seller of 3 football tickets for a game in XXXX and he texted video proof of the tickets. And I sent {$750.00} via XXXX through key bank. I have reported to XXXX and key and nothing has been done. XXXX.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I maybe entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mines and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you VERIFIED that this item was being REPORTED CORRECTLY? WHO verified this account? You have not provided me with a copy of any original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC 1681i ( a ) ( 7 ). Please be advised that under 15 USC 1681i ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified.

THIS LAW IS VERY CLEAR AS TO THE CIVIL LIABILITY AND THE REMEDY AVAILABLE TO ME 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand this account be verified or deleted immediately. 

Account XXXX XXXX
Consumer complaint received 2022-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

XX/XX/22 I received an email stating I had a balance on my Citi Bank CC card ending in XXXX. The card had not been used by me for about 3 months and when I checked online for what the charge was for, it was an XXXX purchase which the dates did not line up to my orders in my XXXX account so I assumed it was NOT MY CHARGE. I called the fraud department of Citi Bank and talked with someone named XXXX to dispute the charge and CLOSE MY ACCOUNT. This was supposed to be a RECORDED CONVERSATION. At first, he told me when I told him I wanted my account CLOSED that he would be sending me out a new card with a new number... .I told him NO, I DO NOT WANT A NEW CARD, I WANT MY ACCOUNT CLOSED! He never said anything further so I assumed that is what was done. 

A few minutes later, I called them back because I realized that the charge may be a delayed charge for an order that I received a couple months after the order date. In the process of that call, was told a new card HAD been dispatched to me, WITHOUT MY CONSENT, in fact, I had XPRESSLY STATED I DID NOT WANT THE CARD, but it was sent out to me anyway. 

I couldn't get thru to any of the departments, was on hold a VERY LONG TIME, finally decided to try their " chat '' on their Citi website. I spoke to someone named XXXX, she confirmed a card was on the way to me... .when I told her I wanted it CLOSED, she said I'd have to call back when the card arrived. I asked her what was going to stop another XXXX from sending me another UNWANTED CARD, just like XXXX did. She said she " couldn't help me ''. I tried to find a corporate number, called it, they don't take complaints, so I'm filing this. 

This company DOES NOT HAVE THE RIGHT to try and FORCE ME TO KEEP THEIR CARD! It's a scam! I want nothing to do with CITI BANK after this experience, what a JOKE! But I do NOT want an open account with them!!!!!!!
Consumer complaint received 2022-03-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Makower Abbate Guerra Wegner Vollmer PLLC (MI)

I received a letter dated XX/XX/XXXX from Makower Abbate Guerra Wegner Vollmer PLLC stating I owe {$3600.00}. This is an ongoing matter I have been disputing with them since XXXX of last year. However, the last invoice they'd sent in XXXX of XXXX stated I owed a little more than {$1500.00}. I have been making my XXXX  payments on a regular basis and there is no way my debt could have doubled. Firstly, this is not a legit debt amount ; secondly, they have not followed the bylaws of my condo association regarding notification of violations ( Article VI of the bylaws, regarding Restrictions. Section ( c ) ( i ), ) ; thirdly, they threatened to take legal action if I did not pay the full amount of {$3600.00} by XX/XX/XXXX. 
I have paid ALL my XXXX fees since I moved into my unit last XXXX. They have taken the position I can not split my monthly payments in half and pay twice a month. This is a matter that is under dispute and considering I am disputing, they are obligated to cease further action until the matter is resolved. They have not done so. 

I have a copy of the bylaws of my association, but the file is too large to send. I can provide it to you by another means, if needed.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. The account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. The account that I am asking to have verified for accuracy is : XXXX XXXX XXXX with an open date of XX/XX/year>. Account # is not listed on ANY of my credit reports.
Consumer complaint received 2022-08-26
Product: Credit card or 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. (NV)

I purchased a Vanilla Visa card at XXXX for {$130.00} to make an online purchase. XXXX has customers wait 1 hour before using it. After the wait I proceed to try and make a purchase and my card was denied. I called the number on the back of the card and had a balance of {$0.00}. I called and was told I had a pending charge. I told them I hadnt done nothing except call their number and try and make a purchase. They refused to stop the tranaction and said I would need to wait 90days. After doing the dispute I saw where there are 100 's of complaints regarding other people having the same thing happen to them.
Consumer complaint received 2022-03-19
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: Experian Information Solutions Inc. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-19
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: EQUIFAX, INC. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2015-12-30
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: DriveTime (AL)

I am a co-signer on a car from several years ago for my brother, he is behind on payments by 2 weeks until he get paid on Friday. They call twice a day and I even spoke to them, to let them know I had no money to give them because of my own student loans. I also informed them as soon as my brother he is paid, he will make a payment. Until then, please direct calls to him and that I had already left a message for him myself about drive time calling. This was at XXXX XXXX today and then at about XXXX XXXX, XXXX, called back that very same day. When I called the company back to let them know I am getting several calls in the same day, not just one or two but sometimes it will be three or four if I am at work and can not answer like I did today. I got nothing from them but I understand you being annoyed, the operator could n't even set to where it would not call several times a day. She pointed me to her website to set up a time they could call, I proceed to the website and there is no such place to set up times they can call you. Drive calls 3 to 4 times a day, 7 days a week. I have to make sure my phone is on silent on church because they always call in the middle of service. It is harassment, one call would be fine, but when you call twice a day AND you talked to the person already that day. IT serious stalking mode, when he is probably not that far behind on payments. If he was that far behind, why has n't the car been repossessed. The fact is I do not received the bill and since I am very cautious of companies, I refuse to pay anything if I had it to someone over the phone. They will be calling me tomorrow several times and I will fill out another complaint if needed.
Consumer complaint received 2024-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (LA)

I was using the chime to anyone feature to send {$400.00} to my friend using their phone number. No name was shown before sending, just the phone number. I guess someone had my friends number previously and never updated it when it was no longer theirs because AFTER hitting send it shows up an account belonging to XXXX. I immediately requested it back. My friend received the request for the money but not the money. I disputed the transaction with chime and they denied it. This is clearly a major a flaw in how their system executes these transfers and I'm sure this has happened to many other people. For whatever reason they feel no need to fix it. The name should have absolutely been displayed before sending, not after.
Consumer complaint received 2022-08-27
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. (CA)

I have written several letters in attempt to have a proper investigation performed on my behalf.I am suffering from XXXX and Iam in a severe financial hardships due to the failure of compliance on the behalf of the 3 credit bureaus.Several inaccurate items are still on my credit report after my investigation. 
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report and under 15 US code 1681e ( b ) and 15 US code1681i ( 5 ) these accounts are in violation of not reporting these accounts accurate.
Consumer complaint received 2022-08-27
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. (SC)

someone has access to my personal info. I've been dealing with this issue for the past few years. I've tried disputing this with the credit bureaus but these fraudulent items still remain. I '' m also seeing someone still trying to obtain credit in my name because, im seeing a lot of inquiries, different addresses, and wrong employment info reporting as well.
Consumer complaint received 2022-03-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX around XXXX XXXX, I noticed two {$XXXX} fees and five {$XXXX} fees totaling {$XXXX}. I called Chase Customer Service right away who closed the card. Claims was unavailable as they had closed early, before the advertised XXXX EST. I spoke to claims on the morning of XXXX and had a claim number XXXX. This claim however showed as {$XXXX} so I called back to state there are charges of {$XXXX} not {$XXXX} and I would like it revised and was told it would be. I began messaging Chase at this point. There were repeated responses that didnt confirm any of my requests, so I called again on XX/XX/XXXX. I was told the claim is still showing for {$XXXX}, so I askee to create a claim for the additional {$XXXX} and got claim number XXXX. Chase has notified me that claim XXXX for {$500.00} was a valid charge and the claim would be denied, with {$XXXX} being removed from my account. This is untrue and Chase allowed numerous transactions in California while I am in Illinois with possession of my debit card.
Consumer complaint received 2019-08-08
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. (TN)

I AM A VICTIM OF ID THEFT DUE TO THE 2017 EQUIFAX DATA BREACH. PLEASE REMOVE THE ITEMS LISTED ON MY FTC REPORT FROM MY CONSUMER FILES.
Consumer complaint received 2022-03-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Hi, I got emails from XXXX bank of America XXXX with subject lines " verify your email address '', " online application is in progress '', " your application was approved '', " welcome to online and mobile banking ''. I did not create an account. It appears someone else did using my email address and name. 

I called the bank of America customer service line. The automated menu was ridiculous, given I'm not a customer. After 15 min of haggling with the automated dumb-bot I was put through to a human, who heard my story and immediately just stated that account has been deleted. He was unable to give me a reference number that the phone call happened or send an email from bank of America that this new account was deleted. And he tells me that they have had a " volley of deposit accounts '' created under real people 's names, as if that is supposed to reassure me. 

Not being handled well at all. They could not tell me how this happened, is my social compromised, anything. 

Please address with the institution. 

XXXX XXXX
Consumer complaint received 2016-02-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Straley & Otto, P.A. (FL)

My name is XXXX XXXX, and I have recent close on a property XXXX XXXX XXXX XXXX. A few month after moving into the property, I recieved a debt collecting letter from XXXX XXXX from Straley and Otto ( legal assistance ) that I owed past due amount XXXX $ XXXX XXXX $ for XXXX 2015 and XXXX $ attorney fee ). I contact XXXX XXXX and provided proofs that I have made all payment on time. Soon after acknowledging that I have made all payment, she continue to ask if I paid the continuing month ( XX/XX/XXXX because it is due, and it not related to the debt, and yes I have been paying on time. She then ask you have to paid attorney fee because she sent me the letter XXXX XXXX Which got me by surprise, I think I 'm being harass and bullying through these type of behavior, though their vision is to help and support the need of compliance citizen. I have emails exchange between me and XXXX and comp if needed
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (NJ)

XX/XX/2020 I notified Wells Fargo that I was being impacted by COVID pandemic, and had spoken with a representative regarding the federal forebearance program. At this time, Wells Fargo accepted my hardship and into the forebearance program, that my payments were suspended. I continued to communicated the request for extension. until late XXXX. On XX/XX/XXXX, my situation became better, and I went back into the workforce. I contacted Wells Fargo to let them know i was prepared to get the account back in order. We discussed the options and I was put into a loan modification that put the old missed payments at the back end of the loan. 
Since then, I have been making more than the minimum payment due and on time, as my credit report will confirm. 
Recently, my financial situation has turned for the better, and I have also outgrown my home with my family and went to apply for a mortgage but am having a terrible time because the way Wells Fargo reported my forebearance has had a negative impact. The underwriter for my new mortgage request has stated that the way it is reflecting on my credit is as if I just stopped making payments. This was not the way the Federal Forebearnce was intended to be rolled out and now I am suffering because of the inaccuracy on my report.

I have contacted Wells Fargo who states that there was no negative reported on my credit report, that the agreement was they would not make any reporting on my credit whatsoever ; however, the verbiage on the comments of this item states loan modification and does NOT state the forebearance. 
I need this rectified because my career is growing and I may need to relocate and I will not be able to purchase a home or be extended any further credit because of this.