davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (FL)

My credit card was used without my permission for an online purchase at XXXX XXXX and XXXX, where I discovered this from reviewing my account activity before I made my monthly payment ; my card is in my possession. The transaction was dated on XX/XX/2019 where I have contacted the merchant and my credit card company. The merchant advised me to contact my financial institution, where my financial institution declined my dispute stating " it appeared to match my account usage, and the ABA and billing information matched ''. When I contacted the merchant on XX/XX/2019, they advised me that there were many fraudulent orders that was placed on their website, and they are trying to work with the victims like myself. I have reason to believe that my dispute was not filed and only merchant representment was submitted. I have asked my financial institution to provide me with DETAILED information as to why my dispute was filed, and not just a simple " it seems to match what you use your card for ''. I need order information, IP addresses from where the order was placed from, shipping info, contact info, and anything else that was used ; I have not received this info. This transaction was for {$110.00}, where I have to work several hours to make this back up. I REFUSE to pay this amount, because according tot the terms, I would accept responsibility for the charge. I need this reconciled immediately, as I do not want this charge to roll over to my next billing cycle and I am charged interest and it is reported back to the credit bureaus.
Consumer complaint received 2017-06-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I use an app called  XXXX . They help keep my account out of the negative but they can never get the bank to send over my information in a timely manner. It 's supposed to take a day and we usually have to wait before receiving any information. They need my recent transactions as well as my current balance and it should n't take this long to receive it.
Consumer complaint received 2017-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (AR)

I moved from my hom e  XX/XX/XXXX  I  contacted  XXXX  to schedule to have power disconnected from the address. They set it up for XX/XX/XXXX  . T hey explained to me that my deposit would cover my last bill. So around  XX/XX/XXXX  I noti ced they put a charge off on my report under all  XXXX  bureaus in the amount of {$240.00}, it didnt show up as a collection account but under a regular account showing it was opene d XX/XX/XXXX  and closed XX/XX/XXXX . Th ey mafe No contact with me regarding this account before it charged off. Then a month later I received a letter from a collection agency regarding this account. I called them and they advised me to contact  XXXX  which I did and they are claiming they didnt put it on my report and that my deposit covered the amount., but its still showing. I 've disputed it several times through the bureaus but it always comes back as " verified '' and not " validated ''
Consumer complaint received 2023-01-27
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-09-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (WY)

I continuously request my payment information be removed after every payment is made. Every time I call to make a new payment, they STILL have my financial information on file. They continuously LIE to me by saying there is no information on file until I say I want to make a payment and all of a sudden they have my bank information. This is EVERY month between the XXXX the month and the XXXX of the following month. 

In addition, I have requested my loan documents twice. I have not received them. Worse, I was NEVER given a copy of my loan documents at the time of the loan. The dates of the requests are : XX/XX/XXXX and XX/XX/XXXX. I was told the documents would be expedited and that I would have them by XX/XX/XXXX. As of XX/XX/XXXX they have not arrived. Again.
Consumer complaint received 2022-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I logged into my Chase checking account. I discovered over $ XXXX in unauthorized transactions going back to XX/XX/XXXX. They were all listed as XXXX transfers and instant transfers, none of which were mine, ranging in value from {$1.00} up to almost {$500.00} per transaction, usually 2-4 charges at a time of the same amount. I never once had received any alert from Chase as to this unusual activity on my account. The transactions were not through my XXXX account, but evidently a " guest account ''. Chase bank says they will only reimburse for the 1st 60 days since the first transaction was made, claiming I should have been looking at my statements. In writing, they responded : " We will not be crediting certain transactions because you are responsible for any transactions that occur more than 60 days after we send the first statement on which these transactions appear, which was XX/XX/XXXX. '' With a XXXX XXXX XXXX husband who is also in the XXXX XXXX XXXX XXXX and a child struggling with remote learning over XXXX, the last thing I had/have been thinking about over the last year was monitoring my checking account. I fully expected to receive alerts if there was unusual activity. I repeated reached out to Chase to help from XXXX, but to them, I am " just a statistic '', as my Chase Private Banker told me, with condolences. 
Likewise, XXXX has been terrible to work with, from filing inaccurate claims with only 1 transaction included that was an authorized transaction, then denying the claim and closing the case, to providing me with fake case id numbers, to sending me from one department to another, only to be told that they are not responsible for this activity.

I hope that Consumer Finance can publicize Chase 's unethical treatment of their client, and hold them responsible for reimbursing us the {$11000.00} that was hacked from our checking account. Additionally, I hope that you can publicize XXXX 's irresponsible mishandling of my complaint and data leak.
Consumer complaint received 2022-03-03
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. (WA)

I have disputed inquiries to Equifax in what should be part of a shopping window. On their website it says if you get an inquiry for home shopping or car shopping then between 15-45 days it should only count as one. My risk factor says too many inquiries are impacting score. They are mortgage pulls and should be in Equifax 's shopping window. I disputed online and the dispute was closed very quickly stating " inquiries are a factual record and will remain on file for two years ''. There is no place online for me to explain this is within their own shopping window. I call and no one knows what I am talking about. This is very frustrating to me and makes me angry that they are violating their own rules.
Consumer complaint received 2022-03-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ACIMA CREDIT, LLC (NY)

On the XX/XX/2022 i received an alert from my credit report on my XXXX  app i notice a new inquiry was added to my report ( Acima Digital FKA ACCOUNT # XXXX ACCOUNT TYPE/ LEASE DATE OPENED XX/XX/2022 STATUS OPEN STATUS UPDATE XX/XX/2022 BALANCE {$2600.00} BALANCE UPDATE XX/XX/2022 RECENT PAYMENT $ 0 MONTHLY PAYMENT {$220.00} ORIGINAL BALANCE {$2600.00} HIGHEST BALANCE {$0.00} TERM 12 MONTH COMPANY ADDRESSXXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX UT XXXX ( XXXX ) XXXX
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CBE Group, Inc. (VA)

I moved out of a property and never received a notice that there was an amount due of {$100.00} from XXXX XXXX. I had a credit report run for a mortgage loan pre-approval over 2 years after I moved out and this amount due was brought to my attention on XX/XX/2022. I immediately contacted the collection agency ( XXXX ) and creditor ( XXXX XXXX ) to satisfy the balance and ask that the reference be removed from my credit report. 

The collection agency recommended I contact the creditor to have this amount paid in full. Upon speaking with the creditor ( XXXX XXXX ) and paying the amount in full, they said I need to speak with the collection agency ( XXXX ) and that they would be able to delete the reference from my report. After speaking with XXXX several times, they sent a letter of satisfaction on XX/XX/2022 that stated the amount has been paid in full but this was not a letter of deletion. This reference on my credit report is still not being removed and significantly impacting my credit score. I have attached all relevant documents to this account and also the letter stating that this amount has been paid in full.
Consumer complaint received 2017-06-14
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. (MO)

I have contacted the the card companies as well as the credit agencies. Ive been dealing with Identity theft for over t he last two y ears. There are  XXXX  credit cards that were opened that I did not authorize and they are using my correct social security number but incorrect date of birth. I would like for these credit cards to be removed from credit report.     1.  XXXX     XXXX   XXXX   ( OPENED DATE  XXXX / XXXX / 2016  )  2.   XXXX   XXXX   XXXX   XXXX   XXXX   ) ( O PENED DATE  XXXX / XXXX / 2016  )
Consumer complaint received 2021-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (PA)

On XX/XX/XXXX I deposited a donor 's check into my non-profit checking account at the XXXX & XXXX XXXX, XXXX, PA branch. When I put the check in the machine it read it as {$300.00} when it was a {$100.00} check. I removed the check and redeposited it. The screen showed {$100.00} which was the correct amount. Later when I checked my BB & T mobile app it showed a {$300.00} deposit. I immediately called the branch where I deposited the check and was told it would be caught by the " back office '' and corrected on Monday. Monday it was never corrected. I called the initial bank and was told to wait a couple days that the error would be caught by the " back office ''. I tried calling the initial bank on XX/XX/XXXX after seeing on my mobile app it still wasn't corrected and no one was picking up the phone so I called another branch ( XXXX XXXX XXXX, XXXX, PA ) and was told that they could not see the check on the screen I would have to call the initial branch. I said I have been calling for hours but no one is picking up. She gave me the email address of an employee and I sent him an email and as of this date he has not responded. I called customer service XXXX number and was told that I would have to contact the initial bank where the deposit was made. I called them on XX/XX/XXXX and said I wanted to speak to the manager and was told there was no manager on duty. I relayed my whole story and was told the same excuse ... the " back office '' will fix it. I called the toll free number again and spoke with XXXX and was told that she would expedite the correction after she saw the check amount was {$100.00} and it would be done in XXXX business days, hence XX/XX/XXXX and she would make a complaint for me. The correction is still not made and so I called customer service again today and was told by XXXX that she saw my complaint with XXXX and that it would " be fixed in XXXX business days '' and she will make a complaint for me. Worst part of this whole ordeal is that the {$300.00} was deducted from the donor 's account, it was not caught by his bank, XXXX XXXX, and they said it has to be fixed on my end.
Consumer complaint received 2017-06-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Choice Recovery, Inc. (OH)

I received a phone call from Choice Recovery located in  XXXX , OH a couple of years ago and said that I had a few hours to pay {$57.00} for a visit to  XXXX   XXXX  in  XXXX , OH or  my credit score would be negatively affected. I ignored them and thought nothing of it and blocked the number. Recently I checked my credit score and the debt I still " owe '' is in fact damaging my score. This " debt '' needs to be removed from my account.
Consumer complaint received 2021-05-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (WI)

I have previously submitted 5 complaints to the CFPB about Wells Fargo Bank. My identity theft caused by Wells Fargo. Deceptive, misleading, and untruthful statements by Wells Fargo. My ongoing investigation has now been moved to the end of XXXX. I have investigator number 15. The has been zero resolution to my case. I have not seen my money returned. Wells Fargo is not helping me. I have never heard back from anyone as to what I should do now. As I researched my problems with Wells Fargo. I see there are 1000s of people experiencing the same issues as me. What am I supposed to do to get this fixed. My emails are still hacked i don't even know if anyone is trying to help me. 
XXXX
Consumer complaint received 2017-06-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

Hello, I am a rec ent widow ,   XXXX   XXXX   on  XXXX , and a senior. My home is financed by  JP Morgan Chase , I have completed and sent in    XXXX    assumption modification packets to no avail. I have submitted to them absolutely everything over and over that they have ask for. Some of the information they requested from me is n't possible. Once I told them their request does n't pertain to my situation or to me they told me that it was a error on their part and to omit that request. I called  XXXX   XXXX  and was blessed that the woman who answered the phone helped me to know exactly what they were asking me for. This is after I spent hours and   XXXX   trying to comply. My denial came with the reason being I DID NOT SEND IN MY DOCUMENTS IN TIME. This is absolutely not true. The loan was in my husbands name with  Chase. However the original mortgage I really believe was in my name also. when we started receiving info from Chase it had my husbands name and my name. Then as time went on it on ly showed my husbands name.   I LOST MY HUSBAND LAST YEAR TO  XXXX  IN    XXXX   XXXX    I HAVE BEEN DOING EVERYTHING POSSIBLE TO SAVE MY HOME. I NEED HELP IN THE WORSE WAY ... I CA N'T MAKE THE CURRENT MORTGAGE PAYMENTS AS WHEN I LOST MY HUSBAND MY HOUSEHOLD INCOME WAS CUT A LOT.   I have done absolutely all that  Chase has ask of me and more. I have complied with it all. I have even had them tell me that I am doing good in submitting all the information to them. I have {$45000.00} approx. in equity in my home. I believe I was turned down because Chase  is wanting the most profitable way. If my interest rate is low ered from 5.25 to the  2 % their profit margin will drop. I am on the verge of hospitalization because of the  XXXX   Chase h as put on me. I was my husbands   XXXX   XXXX   for over 20 months then I watched him as he took his last breath.   All I am asking for fairness. I can make my house note easily if it was lowered to the  XXXX  that it should be which is according to my income and what is being offered now b y HARP. I ca  n't get this nor any other refinance because I am behind on my mortgage payment. I am at wits end and I pray that you will please help me please.
Consumer complaint received 2022-09-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (IL)

There have been discrepancies regarding the XXXX XXXX Claim. 

I have provided a letter from the attorney representing XXXX XXXX XXXX. 

The letter provided details of the payment extension discrepancy. 

XXXX and XXXX do not have a copy of the GAP insurance policy and are unaware that Ally Financial is still responsible for the remaining balance on the vehicle. 

I am in receipt of a letter stating that 72 months was and remains the installment loan. There were no loan modifications made. 

I requested 2 payment extensions and I only received 1 temporary payment extension and a loan modification was not provided. 

The billing was caught up and the XX/XX/XXXX payment was rendered on XX/XX/XXXX. 

XXXX payment due was still within grace period when the date of loss occurred on XX/XX/2020, however XXXX payment was not paid. 

Ally Financial is responsible for the remaining balance. 

The remaining balance needs to be paid off to XXXX and XXXX who represent XXXX XXXX XXXX.
Consumer complaint received 2019-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/XXXX I checked my credit report and found a debt collection company had a collection account for me. I called the company XXXX XXXX XXXX XXXX XXXX they said it was for a payday loan taken out in 2015. I never took this loan out and the bank they have listed is not the bank I use.
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

On XXXX, I logged into my mobile banking app for my account with Citibank. I seen that there was a block on my account. There was no email, no call or nothing sent on why it was a block on the account. I called Citibank several times, no one has any information on why its been closed, all Ive been told is that I will receive the balance of the account via check within 60 days. Each person Im, Ive spoken to has been rude and has hung up on me. I dont have 60 days to wait. I have a new baby arriving really soon within the next day or two. I need help resolving this issue. If they need to close the account thats fine, I just need my money thats in it
Consumer complaint received 2020-10-07
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. (FL)

I am writing this due to non-compliance with the EXPERIAN They have failed to remove information that was affiliated with personal details that were challenged in the past I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. PLEASE FIND ATTACHED correspondence of the items that I am at present questioning. It is to be noted that the item in specific may be affiliated with personal information that has been reported fraudulently. 

A list of items that I am challenging for its validity and on whether or not it is compliant to be reported in the first place has been furnished in previously mailed correspondences.
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (AL)

Overdraft fees are unethical and negatively impact low-income workers and people who struggle with money management. 

Over the course of two days, Regions bank charged me 3 {$36.00} overdraft fees totaling {$100.00}. I " locked '' my debit card using their " LockIt '' service to prevent any overdrafts, but this service doesn't block automatic payment transactions. 

I used their online help messaging system and was told that I need to sign up for overdraft protection, which isn't an option for me because it requires that I have MORE money to put into a prepaid card. 

I called their customer service line after I was in tears from being so overwhelmed. After speaking with a supervisor I was credited ONE fee back, which I am grateful for, but I'm still negative {$72.00} PLUS the amount of the insufficient transactions. 

I have a good credit score, so I don't want to open any lines of credit or accounts or cards, I just want this company to have a bit of empathy for me when they can clearly see I have paychecks being deposited into my account every week to make up for any insufficient balances. 

Since moving into a new apartment with a higher rent, I've had to work multiple jobs to be able to afford to live. I am not an excessive spender, but I have always struggled with money management and have anxiety around finances. 

This {$72.00} could have been used for my water or light bill, now I will have to find another way to pay for those things.
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have reached out several times to the court and each credit agency. I tried not to mail sensitive information and I think sending it this was is much safer. The chapter  XXXX  bankruptcy reporting on my credit report does not reflect my correct date of birth. The date of birth on the reports is  XXXX / XXXX /  XXXX   and my date of birth is  XXXX / XXXX /  XXXX  . I have now included my actual live birth certificate as well as my social security card.