davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-17
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Bright Capital Inc (AR)

On XX/XX/XXXX I was charged two amounts from Bright. One transaction for {$36.00} dollars. The second for {$10.00}. 
I wasn't aware that the charges were going to take place to begin with. No warning or notice. I immediately got in contact through their website and asked why and for a refund to my account. I was told that they take {$10.00} a month for 5 months to put into your credit builder. I informed them that the amount didn't add up to what was taken. I was told it would be received by them in 2-3 business days and then an immediate refund would be initiated and if receive the money back in an additional 2-3 days. I asked for a cancellation of any membership or programs that they may have enrolled me in and I thought I had it taken care of. Fast forward now, I have talked to multiple computer generated auto response bots but can't get anything more from them than the prompt they are expected to follow and to be honest each time I get a different timeline on my refund. It's never the same as before and I'm now being told to wait 2 to 3 more days because they only received XXXX dollars out of the XXXX but it was taken from my account. I have been told it could be 5 days until they get it and then an additional 2 to 3 days from there. I was told that my membership being cancelled means that they can't refund me. I'm supposed to rest assured as they say but I have the feeling I was scammed and the business is a fraud. I have screenshots of emails, conversations, etc and have sent them in chats but they are overlooked. Customer service is a zero out of zero and the business has nothing but bad reviews, many of them being related to my situation
Consumer complaint received 2021-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Hi my name is XXXX XXXX i am filling a complaint against Bank of America for not allowing me to fully use my checking account for overdrafting i have been with bank of america for XXXX  years and majority of my time with them they allowed me to overdraft but ever since XX/XX/XXXX of 2021 they stopped allowing me to overdraft on my account i feel like they are being bias and unfair for not letting me have the freedom of my account to use at all times even if i do overdraft the money is always given back to bank of america with this situation occuring i have no money to pay for my medical prescriptions and other occuring emergencies like utilities me being XXXX  and a XXXX  bank of america has really failed me im asking for a full investigation so that this matter doesn't happened to any other customer.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I just paid down all my credit cards to 70 % level. My score went up by 14 points by 1st week of XXXX. Just checked it again today XX/XX/20 and it dropped 14 points. I have not used the cards again. I am just tired of the credit bureaus manipulating my credit scores.
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (FL)

I have been a member with Experian Credit Reporting for over 3 years. and I have been trying to dispute information on my credit for quite some time now over some addresses that are not mine and just recently a derogatory remark that is definitely not mine. But when I call I can never speak with an agent to get help and the automated service over the phone says to dispute it online, however when I try that method the site just always states the same thing, that it is having technical difficulties to please try calling XXXX But as I stated above you can't get any help over the phone. I am going in circles trying to fix a problem that is very imperative to my credit. Please help.Thanl you for your time.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$6000.00}, {$20000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.
Consumer complaint received 2022-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (FL)

I filed a complaint with the collection agency of the validity of the debt and the debt its not mine. I called and I spoke with XXXX XXXX at Allied and he refused to provide me the details of the debt. I emailed him directly on XX/XX/2021 to his his email XXXX and complete disregard to my request. It has passed more than 30 days since my request. He would not give me another person to talk to or addressed my concerns in regards to such collection. He didn't read the disclosure that this is an attempt to collect a debt. I have concerns regarding such debt as is not much but its not mine. I asked he for the company from which the debt is coming from and he told me he could not. I mailed all the information to all credit agencies along with this.
Consumer complaint received 2019-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fifth Third Bank closed customers Checking account and have not returned funds totaling in {$390.00}. After preliminary investigation by Fifth Third Bank, it was determined the funds have been returned to XXXX  XXXX XXXX via Automatic Clearing House ( ACH ) transactions instead of XXXX as referenced in CFPB COMPLAINT ID XXXX. Fifth Third Bank did not claim the funds back from XXXX  XXXX XXXX. Additionally, Fifth Third Bank and did not return funds to customer.
Consumer complaint received 2019-08-09
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2021-09-20
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. (AK)

Transunion customer service was very unhelpful and refused to delete an unauthorized inquiry on my credit report. 

Inquiry : XXXX  XXXX XXXX
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/2016, while reviewing one of my credit bureau reports I noted an inquiry from American Express ( AMEX ) in category of requests that I had initiated. After speaking with XXXX AMEX customer services reps, I was able to speak with a fraud specialist. I was told an account had been open in my name on XX/XX/XXXX. and sent to an address in XXXX. I have the agents ID if needed. In any case I was told an investigation would be open and I would not be responsible for any charges. I would also receive a letter saying same and credit bureaus would be informed. I questioned sending a card to XXXX when the record clearly says I reside in XXXX and have for twelve years. The agent told me they pay no attention to the address. Wow! No wonder Identity theft is so wide spread when companies make it so easy for the thieves.
Consumer complaint received 2021-09-20
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-04-14
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. (MA)

My daughter leased a new car with XXXX XXXX XXXX and I co-signed as it was her first new car when she graduated from college in XX/XX/XXXX. Her lease expired and she leased a new XXXX on XX/XX/XXXX. XXXX XXXX in XXXX XXXX MA never closed out the first lease until XX/XX/XXXX after I threatened to file a complaint with the Attorney General 's Office an MA. Delinquent payments reported on the lease turned in were removed. When we did the original lease I asked about the excise tax we pay in MA and was told that XXXX pays that. The manager of XXXX told me the lease was closed and all set. XXXX XXXX told my daughter the lease was closed when in fact it wasn't. She owed a property tax which is actually the excise tax that we were told in the beginning that XXXX pays. Neither my daughter or myself knew what this Property Tax was and again were told the lease was closed out. While on vacation my daughter got a notification from XXXX XXXX staying her credit score had dropped. I also got notification from my bank that my credit score had dropped over 100 points. When my daughter called after vacation she was told she owed the property tax so she paid it over the phone 2 months after the lease was closed. I talked to XXXX and XXXX at XXXX XXXX and they will not remove the 60 day late on the credit report that is impacting our credit. 
The credit bureau told me it stays on the report for 7 years. My daughter never missed a payment on this lease and I was not asked to co-sign the second lease because she had a perfect payment history. We need help getting the 60 day late removed. I don't think we should penalized for a mistake. So many phone calls with no help.
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I would like to log a complain for discrimination or for unfair treatment The facts are as follows : My family has been banking with Chase for over 35 years, since 1987. At that time the bank was called XXXX XXXX and later changed to Chase. In all that time we never had any issues with the bank. We currently have savings, checking, investments, IRA, Roth IRA and mortgage accounts with them. 
Recently on XX/XX/XXXX, while visiting my aging mother, I received a call to let me know that my accounts, that included the name of son, will be closed. They provided no reason. 
I made several calls back to try to understand the problem, which I assume was a misunderstanding and got no response. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Some of his payments are in cash but he has engaged a law firm and an account to make sure he is doing everything within the law and it is properly reported to the IRS. Recently he finally managed to incorporate his business and open a business account, with XXXX. 
We obviously are of XXXX descend as can be seem clearly from our names and surname. We have encountered discrimination based on our names from several areas in the past from ignorant bigoted individuals and some businesses but for a well-respected institution such as Chase bank that have had a business relationship with us for decades is totally shocking and unacceptable. 
My only conclusion is that Chase bank officials have decided to stereotype my family as XXXX criminals rather that ask questions or even for proof that our transactions are legitimate and within the law. Chase bank officials have decided to close the accounts and hurt my son business because being XXXX he must be a criminal. 
I would like to know exactly why they are doing this I believe that I at least deserve the courtesy of a clear and honest reply. We have done nothing wrong and it is a huge inconvenience to start opening accounts with other institutions to transfer our accounts. In fact, I demand a written explanation for this behavior. 
I appreciate your help on getting a response from Chase Bank on this matter Thanks for your attention and any help you can provide
Consumer complaint received 2020-04-14
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: U.S. BANCORP (OH)

I purchased a prepaid card ending in XXXX for {$500.00}. It says it is active and that the balance is {$500.00}, but it gets declined anytime I try to use it. I can not reach the customer service number on the card, no one picks up. 

I need to be able to use this card!!
Consumer complaint received 2024-03-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

In late XXXX of XXXX Citi locked my account, froze my funds ( about $ XXXX ) and informed me that it would soon be closed, but not why. About ten times over the course of the next few weeks, I called in to ask, but was always met with a representative that did not know, or promised to get back to me after contacting someone else, which no one ever did. Finally in late XXXX I went to two physical locations to find the branch manager, who was able to tell me that my account had been frozen due to some transactions that had been flagged as potentially illegitimate. I sent her several documents to prove the legitimacy of the transactions, and then didn't hear back from anyone about the matter before my account was closed anyway in early XXXX. 

It has been over three months since then, and I haven't received a check for the amount from my closed account. I have been informed by representatives of Citi that that check is the only way in which I can access the funds that were in that account, so the total sum has been inaccessible to me for the entire time. I have again called in at least a dozen times, and every time I am met with a representative that doesn't have the power to inform me about the status of the check or get the check resent, but who promises me that they will contact a person with more power and that person will get back to me. No one ever has. More recently I have also gone to the physical location of the branch to find again that there were only people there who couldn't help me, and I watched as a representative emailed a more powerful person and promised that they would get back to me soon, which obviously did not happen. 

To add complication to this matter, I moved house in early XXXXXXXX XXXX XXXX ( and informed Citi I would do so, and to update the address ) and so there was some added uncertainty about whether Citi had possibly sent the check to the wrong address, because upon calling in about this later, I learned that they hadn't updated the address. When I tried to get the address updated and the check resent to me, I was informed that it wouldn't be possible to change my address *because my account was closed*. That is to say, Citi has no process for ensuring that when a bank account is closed, the money is sent to the correct address, or indeed potentially ever accessible to the owner of the money. 

Finally, I'll mention that this happened to my checking and savings accounts concurrently, though most of the money is in the savings account.
Consumer complaint received 2023-03-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-09-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (DE)

I contacted Mr Cooper in regards to after Forbearance procedure in which they mailed and emailed me the paperwork to be filled out to be considered for a loan modification. At the time there was a said due amount of roughly {$21000.00} of which I told them I wouldnt be able to pay that in full but I had roughly saved {$10000.00}. I submitted my paperwork in a timely finish and was told to expect a response in 30 days. I kept a log of when I called them and when they called me and the only response I would get is its in Underwriting. It wasnt until XX/XX/2021 when I finally spoke to my Loan Specialist that I was told my loan has been transferred to another Servicer and XXXX XXXX sold my loan to a private Investor of which Mr Cooper would not relinquish that information. I just received a letter on XX/XX/2021 from my new Servicer.
Consumer complaint received 2017-09-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Harley Davidson Financial Services Inc (VA)

I am a military spouse, my wife joined the XXXX in XX/XX/XXXX and is currently serving on XXXX XXXX. I purchased a motorcycle in XX/XX/XXXX. Harley Davidson has denied me a lower rate under the scra and MLA. I have multiple emails from XXXX I have sent in my wife 's orders, the scra and MLA and I have been denied. I have also sent them every letter from other agencies showing they have provided me benefits under both the scra and MLA. 

XXXX XXXX XXXX
Consumer complaint received 2021-08-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: The Law Offices of Kenosian & Miele, LLP (CA)

I was called out of the blue by a debt management company that came in possession of a loan that was pulled under my name. I thought it was a scam when they asked me to pay XXXX dollars to them to keep them from sueing. Now someone gave me papers saying I'm being sued for not paying off a loan i didn't pull.
Consumer complaint received 2019-03-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (GA)

XX/XX/2019 I went into PNC branch to dispute transactions on my account due to stolen bank information bank card and identify theft. I went over in detail from the printed statement and spoke to someone via phone while at the desk of banker all the transactions not authorized. From the theft of my PNC SmartAccess banking info, card and checking and routing number there were unauthorized charges. 
I advised all unauthorized events with date, time, and amounts. They began the dispute. 
The banker cancels and closed my bank card ending in XXXX and sent a new card to me. 

PNC Case # XXXX Total charges {$370.00} XX/XX/2019 I requested a provisional credit for the charges and have not received anything. 

XX/XX/2019 I initiated a call @ XXXX to speak with the dispute department because at this point no one called me or have I received letter of the dispute In mail. I asked the status of the dispute. Per the caller stated that they have determined that no error has occurred and Denied my dispute due to theft as a loss. 

XX/XX/2019 I stated this is unfair and to redispute this issue because as a consumer to a bank whom is insured FDIC am being failed by PNC. Stated that since a second redispute they will not offer provisional credit for for second disputes. I stated they never accommodated the initial dispute for provisional credit and they were rude. 

XX/XX/2019 I called and they denied my redispute. This now has placed a financial hardships and no resolution. PNC has not protected me or my money as a financial institution. I should not be at loss due to PNC feeling as their opinion not an error. Now I feel as though I am being discriminated and my rights are void. 

According to the policy PNC has {$0.00} member liability and 24/7 Fraud protection. 

I have been denied all of protection and policy and this is unfair and want to submit as a consumer. I have been with PNC for 4 years this is not protection.
Consumer complaint received 2019-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIT WORLD SERVICES, INC. (KS)

I have been told since XX/XX/2018 that a collections debt on my XXXX  credit report would be removed and that it would take 30 days. Now 90 days later is remains on my XXXX report. I WANT IT REMOVED TODAY! I have talked with a manager with Credit World and still this is not resolved.