davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (WA)

I have been trying to submit my payment for our mortgage, due on XXXX  for about a week now. I have tried accessing the website XXXX XXXX XXXX XXXXXXXX XXXX as well as calling the pay-by-phone number ( XXXX ). Our monthly statement says it is XXXX subserviced by LoanCare. The amount due on XXXX XXXX XXXX. No e-mail address is provided by the company on our paper statement nor could I find one online to start creating a paper trail. When I call the number XXXX XXXXXXXX XXXX I receive a message " call could not be completed due to technical difficulties- please try again '' and then the line hangs up. I have the money ready to submit and I want to make sure that no late payment is recorded so that I do not have to deal with a late payment being reported to credit monitoring companies and so that I do now have to deal with any late fees.
Consumer complaint received 2019-10-17
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: Travelex NY, Inc. (IL)

Hello, I am writing to inquire about acceptable business practices and fees for currency exchanges. I recently visited XXXX, and exchanged USD in cash for JPY prior to taking off. I later realized the rate I was given in the airport was notably different from exchanges elsewhere, and began looking into this more prompting this message. A receipt from my transaction is attached for reference. This was a currency exchange counter in the XXXX airport near the XXXX XXXX international check-in counter. 

My initial intention was to exchange {$500.00} USD for JPY so I would have cash in-hand prior to landing. The individual behind the counter encouraged me to exchange more money, as I would receive a better exchange rate in this circumstance. I can not recall what the difference was exactly. 

On reviewing the rate I was given, in addition to the fees that were imposed : XXXX XXXX XXXX I received XXXX JPY. When dividing this by the exchange rate that day ( XXXX ) = {$500.00} USD. I was charged a total of {$610.00}. This a total loss of {$110.00} on an intended conversion of ~ {$600.00}!

I am writing as I naively assumed a currency exchange in a major US airport ( XXXX ) would provide a fair rate/fees. After auditing this I am realizing I am sorely mistaken and feel rather foolish. But I am guessing this occurs to many individuals systematically. I am not sure if this is considered to be a fair business practice, or if there are limits to the rate an exchange can give compared to what is being traded that day. In any case, as a consumer, I would advocate that these fees be much more clearly stated as I would not have taken that action had I realized the financial loss associated with the transaction. 

Thank you for your attention to this matter. Please don't hesitate to reach out with any further questions/clarifications. 

Thanks, XXXX XXXX
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

There are auto loan inquiries reporting on my credit report and its so many. I tried to call them but the companies were so nasty and saying theres nothing that they can do they deal with third party. I never applied for any car loans and it has destroyed my credit. I worked so hard with my home and trying to keep everything paid during the pandemic and here goes these inquiries that I did not authorize showing up. from many companies like 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. Also the three Credit Bureaus are not updating my credit score properly, I had a 99 % -100 % pay rate and debt to ratio have been where its suppose to be and I have never obtained a XXXX + credit score even with me owning my own home and paying off vehicles. Even while being a victim of XXXX fraud victim, they still have not updated me on the status of my compensation on that issue.
Consumer complaint received 2019-10-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OR)

A few years ago I was a victim of identity theft. I was able to freeze my credit with all three agencies, but somehow, XXXX XXXX my calling them and telling them the credit inquiries constituted fraudopened an account for the thieves anyway. I learned this in XX/XX/2019 when collection agency accounts started appearing on my credit reports. I have disputed the accounts with the collection agencies and they understand that this is a case of fraud. But despite at least half a dozen calls to Experian, I can not get the latest one removed from my accountand now they have included the thieves ' address as one of my mine.

The problem is that Experian 's website never works properly and never allows to handle anything onlineeven after they send me emails telling me to check the results online. I get constant error messages. Then I call the company and wait 45 minutes to an hour each time. Inevitably, as soon as I describe the problem, I'm told I have to be transferred to another department and put on hold again, for another 30-46 minutes. Twice, I've asked to be transferred to a supervisor ( once because the representative had the gall to ask if I was really disputing something ), and after waiting 15 minutes more on hold, have been told each time that there were no supervisors available and someone would call me. No one ever did. 

The incompetence, the constant technical problems, the complete lack of empathy and the repeated mistakes are absolutely outrageous and unacceptable in an agency that's supposed to be " helping '' the public. All they want to do is sell their " protection '' productwhich I wouldn't trust for a second. 

I still have a collections account and a thief 's address on my credit report and no way to get rid of them.
Consumer complaint received 2022-09-26
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)

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last activate is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15USC 1681 SECTION 602 A Stats I have a right to privacy.

15 USC 1681 SECTION 604 A SECTION 2 ; Also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the Credit Bureaus took more than 30 days to complete my investigation. I have disputed these accounts SEVERAL TIMES with the same results. 

Attached are the credit reports showing the violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

account found in my most recently credit report and ive called the creditor and my info isnt found?? but its on my credit report when i did not request any of this services
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (MS)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2015-07-17
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (TX)

Repeated phone calls even after a payment arrangement has been made ; calling XXXX minutes apart during work hours ( XXXX/XXXX/15 ) ; when calls are answered they will automatically go to hold and then disconnect after XXXX minutes ; callers have been rude and made insensitive remarks ; when a payment arrangement has been made company called XXXX times in a row first thing in the morning payment was expected even though there was still over XXXX hours to make payment as agreed ; when a supervisor is asked for due to poor or rude communciation it is often stated that no supervisor is available and that they will have to call back and no call is ever received from supervisor ; calling even after payment has been submitted online and then either are n't aware payment is already made or just hanging up after call is answered ; caller often unable to answer detailed questions
Consumer complaint received 2022-03-22
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have attempted multiple times to address the wrong fraudulent information on my credit report from Capital One however no matter how much I try and how much proof I have provided them they still are yet to take care of this issue promptly which is making my credit score suffer. 

You can Refer to the document I provide below & look specifically at the Capital One account of which I never opened. As I was a victim of Identity theft. 

Please help me solve this
Consumer complaint received 2019-08-03
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 — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc. (AZ)

Traded leased vehicle on XXXX vehicle. Dealer sent check to Chrysler Capital to purchase leased vehicle. Chrysler Capital lost 1st check. Dealer sent 2nd check in XXXX and Chrysler Capital posted check to XXXX vehicle instead of XXXX leased vehicle. In XXXX I received another late notice and contacted Chrysler Capital. Assured me everything was cleared up. Received another late notice XXXX and contacted Chrysler where after much investigation on their part found the check applied to wrong account. By then I was reported to Credit Bureau as 90 days late in payments which in fact I had not owned vehicle since XXXX! XXXX told me they couldn't change credit reporting until XXXX at the earliest, in the meantime my credit rating had dropped terribly. XXXX stated I was still liable for vehicle inspite of the fact I had traded vehicle in on new vehicle! I have filed dispute with the other 2 credit reporting agencies.
Consumer complaint received 2019-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc. (OR)

This is the second time I pay for this account. The company wont send me a letter saying that the account was settled and closed. They still sending me send message to call them and I call and they transfer me and no one send me the letter
Consumer complaint received 2019-10-17
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. (NY)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that used to very the accounts i dispute. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - " they are required to promptly delete all information which can not be verified '' That I have disputed. Please resolve this issue immediately.
Consumer complaint received 2019-10-17
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. (NY)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that used to very the accounts i dispute. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - " they are required to promptly delete all information which can not be verified '' That I have disputed. Please resolve this issue immediately.
Consumer complaint received 2019-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (CA)

PNC claimed I owed a debt which I do not owe them. They reversed an old fraud charge to my account when I wanted to close my account last year. I recently opened a cfpb complaint because they were illegally denying me access to my financial statements. They have not responded to my complaint. They did, however, use my contact information from my complaint to update the collection of my account they falsely accused me of owing. They took my personal contact information from my CFPB complaint and are using it to harass me for a debt I do not owe. I'm not surprised, considering they did not protect me from fraud on my account and denied me access to statements of the account. They have no morals or ethics, whatsoever.
Consumer complaint received 2019-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MD)

CHASE Card Services closed my Account arguing DELINQUENCY OR DEROGATORY STATUS ON ACCOUNT WITH US. Because my Credit history and reports are impeccable, I do believe this was in reprisal for cancelling my wife 's and myself application for new VISA Cards. Such cards were suggested by MARRIOT Vacation Club agents ( BonVoy  ) to gain points in the BonVoy Program that we also cancelled as explained below. 

The facts are as follows : 1. We ( My wife and I ) have hold a British Airways VISA card for the last 8 years. Since then, we have paid all our monthly balances in full and on time. The same is true for all and any of the credit cards that we currently have including CITI MasterCard, XXXX XXXX , XXXX XXXX XXXX XXXX  VISA ( Debit ), XXXX XXXX VISA ( Debit ). 

2. Our current credit score is XXXX, and we do not have any derogatory or delinquent items as the Chase letter suggests. 

3. In the last week of XX/XX/2019, we purchased a new Marriot Vacation Plan (  BonVoy ) costing about {$45000.00}. The selling agent suggested to us to apply for individual Marriot VISA cards to " gain '' points that could be used to pay for vacations later. However, on XX/XX/2019, after testing the product and verifying that benefits described to us were not accurate, we decided to both cancelling purchase of the Plan and  withdrawing application for new VISA cards. 

4. On XX/XX/XXXX and XX/XX/XXXX we unsuccessfully tried to use out VISA cards, and on XX/XX/XXXX we received an unsigned notification stating that because of DELINQUENCY OR DEROGATORY STATUS ON ACCOUNT WITH US, CHASE has closed our Credit Card account. Although I called the credit card customer services, they stated that they could not give us any information because that was a decision made by CHASE. 

5. Since our Credit Card record is impeccable, and we do not have and haven't had any delinquent or derogatory items ever with this or any other credit card or any other organization, I have concluded that the CHASE action against us was taken in reprisal for cancelling our applications for new cards that were suggested by Marriot. 

6. CHASE action resulted in embarrassing situations to my wife and myself when we were trying to pay for items we have purchased and CHASE denied payment without prior notice and subsequent refusal to provide us an explanation and identifying specific reason for their action.
Consumer complaint received 2019-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I attempted to file a dispute online with my bank, Bank of America, but I was instructed to contact a CSR. I called the CSR and explained why I was submitting the dispute and explained that I tried to rectify the issue prior to disputing the charge. The CSR said that Bank of America was concerned with the number of disputes that I have submitted and that they would penalize me by closing my account and not allowing me to open another one if I dispute anything else. I explained to him that this was unfair since I try to resolve disputes prior to contacting them or even getting them involved. Additionally, I explained that it was unfair that I was going to experience a punitive action because I chose to use a service availed to me by them. Additionally, there is nothing stated that a person could lose access to their account and be permanently barred from additional accounts if one decided to use a service that is not only availed to them, but a service that CSR 's encourage you to use.
Consumer complaint received 2022-09-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (AZ)

My social security comes to me by direct deposit into my Direct Express debit card. On two separate months now I have been charged by various online companies that I NEVER AUTHORIZED. I have lost over XXXX to this fraud. I have reported the fraud, however, Direct Express will NOT reissue my money not stop this from occuring. They claim these charges were authorized. I NOT ONCE have signed up for anything they authorized. I have filed my dispute but it goes unanswered. I need help. I am XXXX and loosing my income over this.
Consumer complaint received 2019-10-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MECHANICS BANK (CO)

In XX/XX/XXXX of this year a blocked ( needing an order from the court to withdraw monies ) savings account was opened at the XXXX XXXX XXXX XXXX XXXX Rabo Bank - now Mechanics Bank. A large sum was deposited ( proceeds from the sale of a residence ). On XX/XX/XXXX I contacted XXXX XXXX ( she was the person involved when the account was opened ) notifying her that a settlement had been completed and that the entire account that was opened was awarded to me and that I wanted to withdraw the money to deposit it in my own bank. She stated that I needed to send her the settlement agreement in its entirety ( 24 pages ). I did so that same days to her email address. I made a few calls early the next week and left messages that were never returned. I was able to contacted XXXX Wednesday of that week ( XX/XX/XXXX ) and she informed me that she had forwarded the paperwork to " legal '' and that they would be issuing a check later that week. Nothing happened. I attempted to re-contact her on Tuesday the next week ( XX/XX/XXXX ) with no success, so I contacted the central call center. Was informed that the branch would be getting in contact with me by days end concerning this issue. No contact. Re-contacted call center the next day ( Wed ). Spoke to XXXX for close to 45 minutes. Was informed that 'XXXX XXXX at the branch had made the check and would mail it to me. I requested a tracking number by email. Was contacted by XXXX by phone with apology stating that it had been busy. No email with tracking number. Checked account status ( Thurs XX/XX/XXXX ). No withdrawal or check had been made. It has now been 2 full weeks since my withdrawal request was made! Contacted call center again. Spoke to Supervisor XXXX ( direct # XXXX ). He assured me that he would look into this personally. 6 hours later XXXX informed me that the check had been made and would be sent out that day along with a tracking number. 
My complaint is that I believe that there is a timeframe that the bank has to release funds. It is not 2 weeks! I felt that they were holding my money hostage and since I lived a 1000 miles away they could get away with it.
Consumer complaint received 2019-10-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: American Credit Acceptance, LLC (NE)

Loan was paid off on XX/XX/2019. There was approx {$120.00} over payment to be refunded. I have called several times to resolve and have them sent, but they still haven't complied. XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX, Ne XXXX American Credit Acceptance XXXX XXXX XXXX XXXX , TX XXXX
Consumer complaint received 2017-11-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Northern Trust Company, The (KY)

My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account was fraudulently accessed and personal data was changed. Once the data was changed, the fraudster than proceeded to make a {$60000.00} disbursement from the account ( basically draining the XXXX account ) and had the money wire transferred. The ACH transfer went through XXXX XXXX in XXXX, XXXX to a XXXX XXXX account in XXXX. The XXXX management firm, a company called XXXX XXXX [ Post Office Box XXXX XXXXXXXX XXXX XXXX ; phone XXXX ] WILL NOT provide me documentation of the chronology of the fraud related activity ( basically the details from the time the fraudster accessed my account to the time the money was moved ). XXXX XXXX will not provide any documentation, nor will they work with XXXX XXXX or XXXX XXXX to obtain the details of the fraud. The fraudster also used a XXXX XXXX : mail address, which they refuse to investigate. My expectation of XXXX XXXX is as follow : - Timeline of the account access ( screen shots from their systems showing when the attempted access started, how the fraudster got in etc ) - Timeline of how the personal data was changed and than the activity on how disbursement of the money occurred - Phone records of Alight employees who XXXX have interacted with the fraudster - XXXX XXXX has the Computer XXXX address of the fraudster and the XXXX : mail address ( it a XXXX address ) of who changed my personal data in the account This is just a small segment of the documented material I am entitled to. I want system screen shots and other documents from XXXX. I just do n't want a document just typed up detailing what happened. I have done more investigatory work than Alight ( or XXXX XXXX XXXX has done )