davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Ria Envia, LLC (MN)

On XX/XX/2022 I requested to have, Continental Exchange Solutions , Inc. XXXX XE USA, exchange USD to JPY, I needed to send my supplier in XXXX XXXX Yen. 
The contract number for this exchange with XE is XXXX, On XX/XX/2033 I innated a wire from my bank XXXX XXXX to XE in the amount of {$37000.00}, on XX/XX/XXXX They confirmed receipt of my funds and on XX/XX/2022 they confirmed to me that the funds were sent to my Supplier in XXXX and the transaction was complete. 
-- I have had a many year relationship with my supplier and they do not worry about funds from our company, but on XX/XX/XXXX they contacted me to ask if I had sent payment, I sent them a copy of my confirmation from XE and they rechecked with their bank, the funds were never received. 
-- On the morning of XX/XX/XXXX I opened a case with XE, they have had my funds for XXXX weeks at this point with no indication to me that there were any issues. Due to the already extensive delay and holding of my funds I expected to have a fast resolution, I still have nothing but sideways talk from XE. The funds were sent to a supplier I have sent to many times in the past, XE has sent funds to the same supplier 7 times in the last year, the suppliers bank information is the same as it was the last 7 times. 
-- My number one priority is to find my funds and get them to my supplier, but inn addition Looking at other reviews on line, it seems that XE has a pattern of doing the same thing to many customers, I feel as thought I should receive interest payments on the money they have been holding
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (GA)

I have made multiple efforts to request validation documentation regarding a debt listed on my credit report. I have requested the name and address of the original creditor ; the amount of the alleged debt, an itemized list of charges that resulted in the alleged balance ; the last billing statement from the original creditor ; the purchase agreement associated with the alleged debt ; validation of the statute of limitations ; and authorization to collect the debt. I have received none of the requested information to date.
Consumer complaint received 2020-10-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capital One auto loans website for payments seems to offer opportunities to make additional payments or payments well in advance of when they are due. In fact, when I try to make added payments on principle their system advises me my bank refused to authorize payment. That is a lie, they don't even ask my bank to make such payments. I have spent hours with their people trying to sort this out and have become convinced that they do not want earlier payoffs and the saving of interest from their customers. Their answer is to tell you can always call in the payment. This is both inconvenient and time consuming and I believe it is intended to prevent early payoffs. 

Reality is that making payments on low down payment loans likely keeps your equity below the value of the car. A borrower can never get ahead, even if they have the ability and desire to do so.
Consumer complaint received 2020-07-16
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX
Consumer complaint received 2019-05-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (VA)

I paid the property tax on XX/XX/2018 according to my statement and my regular installment was paid on XX/XX/2018. 
The Leasing company has been sending me bills saying that the total amount due is {$0.00} and when I contacted the billing dept on XX/XX/XXXX. I spoke with XXXX in customer service ( Finance Dept ) as per her I don't owe any payments this month. 
When I asked for Clarification, The taxes were applied to the monthly installment and I don't owe them anything. But the taxes are still due, I never received any statement or letter from them saying that my taxes are pending. 
When I asked them to correct this error, she said that this can not be done. 
If I my taxes are due, I should get a letter from them which I never received anything. 
They should at least fix my account and let me have my concise monthly statement.
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX XXXX XXXX XXXX my laptop and other belongings were stolen from my vehicle that was parked outside my partners home. On XX/XX/XXXX my credit card from Bank of America was charged for a amount of {$1700.00} from a company named XXXX. I had previously used this site to purchase sneakers but the person that stole my laptop used my account and the saved info of my previous purchase to order something. What i didnt know was that they sent it to my house. For a while my sister and mother had dozens of packages that were going missing from our porch and I concluded that there was someone going around stealing packages. Maybe it was the person who stole my laptop and was trying to recover the order they had made. 
Bank of America is still not wanting to credit my account since this was a fraud and I have now filed the same claim 4 times over the course of 4 months and still no help. I dont know what to do no more and they are even charging me late fees for not paying the monthly payments.
Consumer complaint received 2017-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

Three yers ago I used my citi credit card to buy XXXX XXXX XXXX for about {$40.00}. Year later ( XX/XX/XXXX ) I found unauthorised charged from them for {$100.00} and got my money back at that time. Because XXXX is acting like fraud company I switched to XXXX and XX/XX/XXXX bought the same soft ware for the same market prise about $ XXXX.But XX/XX/XXXX,  surprise, most impudent company never sleep, again unauthorised charged from XXXX  {$100.00}. I got conditional credit from citi, but recently recieved letter dated XX/XX/XXXX from citi card company : " Marchant has provided the additional information. ... Since there is no detailed description of merchandise, we are unable to assist you ... Investigation is complete. We rebilled charge along with any related fees and interest charges. '' Is this just absurd or something worse?
Consumer complaint received 2021-09-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

on XX/XX/2021 I have recently reviewed my credit report and notice there are items reporting that I have no knowledge of, I never had any consumer transaction, credit extended, or authorized doing any business with the companies, as a matter of fact, I was never notified that these items were going to appear on my credit report, I have sent you a letter of my concern of the misleading, untrue, inaccurate and unproven items on my credit report but I have not received a response for you yet, I had concerns because I was impacted by XXXX data breach, I'm positive this is a violation of my consumer rights
Consumer complaint received 2020-11-15
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: CBC Companies, Inc. (TX)

XXXX/XXXX/XXXX XXXX {$570.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX/XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach. FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.
Consumer complaint received 2021-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Last month, I have opened up my first credit card from capital one. I have found out on my credit report that there has been another credit card ( capital one ) that someone else has been using for the past few years. I see someone else 's address and phone numbers on the credit, so I have just removed them now. I took a picture of it before I had deleted that person 's PO box address and phone numbers. The card that the other person has been using still has a balance of {$790.00}.
Consumer complaint received 2020-11-15
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. (IL)

, i have requested proof of ownership of an account from XXXX XXXX Auto from transunion and XXXX and still have not received any proof. however they are still reporting this account on my report with no proof. the amount is about {$9000.00}, i have sent certified letters stating these facts since XX/XX/2020 and no answers to this date XX/XX/2020.
Consumer complaint received 2021-04-07
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: EQUIFAX, INC. (GA)

I filed a dispute with XXXX XXXX XXXX XXXX over 30 days ago .I informed XXXX  XXXX XXXX XXXX that I am disputing their claim.moreover I requested that XXXX  XXXX XXXX XXXX supply me with copy of the contract with my authentic signature and their authentic signature which makes the contract legal XXXX  XXXX XXXX XXXX never provided a copy of contract with my authentic signature or their authentic signature and continue to report this account to the credit reporting agency.this account should have been deleted off the CRA files.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally XXXX  XXXX XXXX XXXX failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a fine.
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I took a loan out with Lowe 's for a necessary kitchen remodel in XX/XX/2018. They gave me a 24 month interest free credit card. Now they are adding a penalty of {$10000.00} to my card because I missed the grace period by 1 month. I tried to tell them I would pay the remainder, but they would not budge. I have been very worried about finances during the covid time as my husband is saying he could be laid off and my salary has been reduced. I'm not trying to get out of what I owe them. I just think that XXXX is way too punitive of a charge. I always paid my card on the XXXX of each month and never missed a payment until they applied the additional XXXX in charges to my account.At that point I wasn't paying enough to cover the minimum because the account went up so much. I would understand if they wanted to charge a penalty but this is horrible. They have started to send texts and emails but never warned me in any of those emails that I would be charged this much if I didn't pay off my loan. Please advise others to NEVER get a loan with Lowe 's or Synchrony bank as they are truly predatory. 

As an aside, Lowe 's was a horrible business too, drawing out my remodel for well over a year and consistently doing sub-standard work some of which I have had to fix myself. During this year, we were stuck cooking in the garage with a hot plate, they installed damaged equipment, made careless and incorrect measurements so whole segments of the cabinets had to be re-ordered, left damaged parts laying around for months in our home, damaged walls and floors and never repaired them, never hooked up grounding wires ( I had to do this myself ), installed things improperly that broke several times and were never repaired ( had to do myself ) and the list goes on. I really feel violated by this whole experience.I would say to avoid Lowe 's like the proverbial plague.
Consumer complaint received 2021-09-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Meade Recovery Services, LLC (UT)

Meade Recovery Services LLC have been harassing me about a debt. I recently spoke to their representative and asked them not to keep calling me but instead, send me a written notice in the mail about the debt so I can properly respond but they did not. I was told by the representative that they will file a legal action if I don't pay the debt. 

On XX/XX/2021, I received two phone calls from them. They called my cell phone at approximately XXXX XXXX. I answered the call and nobody answered the line. A few minutes later, they called me on my home line. When I answered the line, nobody spoke so I called them back. I spoke to a representative and asked them not to keep calling me because that is harassment. They representative told me that " they are trying to help me '' this time.
Consumer complaint received 2022-01-08
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. (AL)

I AM A VICTIM OF IDENTITY THEFT. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY PROFILE. SOMEOE HAS STOLEN MY INFORMATION AND OPENED SEVERAL ACCOUNTS WITHOUT MY KNOWLEDGE.
Consumer complaint received 2020-12-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (MT)

I purchased a Bluebird Pre-paid Card at XXXX for the purpose of depositing cash to transfer to my bank account since my bank does not have any branches where I live to deposit cash. Upon purchasing the card for a value of {$5.00} and putting {$500.00} into said card I arrived home to activate my account on Bluebird.com and have been unable to do so even with the help of the customer service at XXXX XXXX XXXX XXXX. Each time I call the customer service phone number they barely attempt to help me ; only instructing me to create an account and once that proves unsuccessful they place me on hold or say they are transferring me to someone else but actually hang up on me.
Consumer complaint received 2020-10-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

my bank account has XXXX been frozen with capital one bank since the end of XX/XX/2020. I cant get no answers from the bank and they keep telling me there back end will be in touch with me and I'm so frustrated cause it has hurt my business tremendously. The SBA gave me a loan they accepted the loan then wan na tell me its frozen and they have to make sure the money belongs to me is fraudulent on the banks behalf I feel as if the bank has stolen my money and has seriously hurt my business that i must now close if i do not receive the funds and I'm getting a bill now from capital one to repay something the bank has.not yet released to me as of today the bank still is holding my money. Capital one needs to be under investigation.
Consumer complaint received 2018-07-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (ME)

Received 2 letters from same creditor, stating pay by a certain date, or legal action may occur. I receive ALL of my income from Social Security, and the VA, which is EXEMPT from garnishment, with the exception of federal debts, or child support. This is in regards to credit card debt, and I have been assigned a federal fiduciary, which further protects me from debts. I am in a forbearance agreement with my mortgage company. I am currently battling XXXX XXXX XXXX, to which I prefer recovery, instead of stress, from debt collectors. I also suffered a XXXX XXXX on XX/XX/2017.
Consumer complaint received 2022-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Fraudulent ATM withdrawal from account as per following details : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX $ totalling to XXXX $ Filed a complaint for fraudulent ATM withdrawal of the above mentioned amounts with Bank of America on XX/XX/XXXX with the complaint ID being XXXX. 

Even though we have filed a complaint on XX/XX/XXXX and the card had been XXXX, still there is an additional fraudulent withdrawal on XX/XX/XXXX of XXXX XXXX 

Thereafter we get an email from the bank on XX/XX/XXXX that they have reviewed our complaint and dismissed it. 

As we have not conducted these transactions, which are completely fraudulent, we contested the banks closure of case. 

While the bank is reviewing the said complaint again, we seek your help/assistance in seeking justice.
Consumer complaint received 2020-12-08
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)

The companies response is that I hired a credit repair company. I sent in the FTC reports and XXXX  data breach paper work myself. Letters went out because I sent them on my own I did my research as stated in the XXXX  data breach paper works and I am very aware that this is a stall tactic that is used to slow down the process of my investigation. Please remove these inaccurate items from my credit report. The items are all FCRA violations and they go against my consumer rights. My information was breached in the XXXX  data breach and I stated that as well. I am trying to buy a home to keep custody of my children and these items that are reporting unauthorized and inaccurate are holding me back and is causing a great deal of stress. Please investigate thoroughly and update this incorrect information.
Consumer complaint received 2020-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

This company called me XXXX XXXX XXXX XXXX XXXX stating that I owed money to Citi bank that was in litigation. They had my name and SSN also dates of loan, but had the wrong address. Then then hung up on me right after saying not to worry about it. I called back finally reaching someone then hung up on me again. I believe they are trying to gain validation of information to commit identity thefts.
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

In accordance with the Fair Credit Reporting Act, the below companies have violated my rights. 

XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-10-26
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: HSBC NORTH AMERICA HOLDINGS INC. (NV)

I and the customer service both have tried to talk to the dispute team regarding the XXXX disputes back in XXXX that I never gotten. and the dispute finally gave me a letter that they want me to mail back to them by XX/XX/XXXX how is that even possible and i don't even have a fax machine, why do you guys expect so much out of me during this time of covid 19? please read my attached document i never gotten anything from XXXX i tried to contact them so many time and this is why i'm making this disputes there about 7 or 8 disputes since i never gotten any of the items and i was charged account ending in XXXX. 

transactions late XXXX and XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX  {$370.00} XX/XX/XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX  {$130.00} XX/XX/XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX  {$320.00} XX/XX/XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX  {$10.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX {$10.00} XX/XX/XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX {$77.00} XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX {$36.00} XX/XX/XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX XXXX$10.00}