davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Credit 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: CITIBANK, N.A. (CA)

This is regarding multiple fraudulent charges on my Costco Citibank Visa credit card totaling {$6700.00}. There were 96 fraudulent transactions in total, starting XXXX XXXX, XXXX through XXXX XXXX, XXXX. All of the transactions were with various XXXX locations in XXXX California. I became aware of the activities on XXXX XXXX, XXXX, and called Costco Citibank that same day to cancel the card. The representative assured me that day that the fraudulent charges are obvious, and would be credited back to my account. I called again on XXXX XXXX, XXXX to follow up. On XXXX XXXX, XXXX, Citibank credited my account for 5 of the 96 fraudulent charges, totaling {$370.00} of the {$6700.00}. I have yet to recover the remaining {$6400.00} as of XX/XX/XXXX. 

I called Citibank again on XXXX XXXX and XX/XX/XXXX, and each time, the representatives assured me that the charges would be credited back. Today is XX/XX/XXXX, and Citibank issued a statement to me saying the disputes have been closed, and that I would be responsible for the remaining fraudulent charges of {$6400.00}. I am told I have to submit a hard copy letter to request the investigations team to re-open and review the case again. 

I am extremely concerned at being held responsible for {$6400.00} that should never have been allowed to be processed by Citibank under the obvious suspicious nature of the transactions. For example, on XXXX XXXX, XXXX alone, there were 34 separate charges at XXXX totaling {$2400.00}. Here is the summary by date : XXXX XXXX, XXXX : XXXX charges totaling {$330.00} XXXX XXXX, XXXX : XXXX charges totaling {$800.00} XXXX XXXX, XXXX : XXXX charges totaling {$930.00} XXXX XXXX, XXXX : XXXX charges totaling {$840.00} XXXX XXXX, XXXX : XXXX charges totaling {$2400.00} XXXX XXXX, XXXX : XXXX charge totaling {$74.00} XXXX XXXX, XXXX : XXXX charge totaling {$75.00} XXXX XXXX, XXXX : XXXX charges totaling {$1200.00} XXXX XXXX, XXXX : XXXX charge totaling {$1.00} Please help resolve this matter. 

Thank you.
Consumer complaint received 2021-09-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Experian continues to report that an account that I allegedly had with XXXX  XXXX XXXX account number XXXX is been reported accurately on my credit report. On XX/XX/2021 Experian got a request from me for ''THE METHOD OF VERIFICATION '' proving to me that they had investigated the matter and how they came by there determination to say that XXXX  XXXX XXXX was been reported accurately on my credit report. It is my right under the Fair Credit Reporting Act to ask for this and the Fair Credit Reporting Act also states that the credit bureau has 15 days after I have made the request to supply me with my request. Today is XX/XX/2021 and I have not gotten the method of verification and this is a clear case of a FCRA violation. I have submitted other complaints about the same issue on this system. Its almost two months that they got my request and have unable and or refused to provide the method of verification requested. It is illegal to continue to report some thing on my credit report as been accurate but can not provide the documents to back up that story. 
It is insane and unprofessional for Experian to continue to report an item on my credit report as been accurate but refuses to provide me with there method of verification. I dont owe XXXX  XXXX XXXX any money but yet Experian continues to hold my credit hostage. This complaint is filed so that when I do decide to take legal action against Experian there will be some form of documentation proving that I contacted the credit bureau on numerous occassions to delete XXXX  XXXX XXXX from my credit report. I also contacted Experian for there method of verification and they have refused and this is a clear FCRA violation. Experian should delete XXXX  XXXX XXXX from my credit report immediately.
Consumer complaint received 2021-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (IL)

A UTILITY BILL WAS OPENED IN MY NAME WITHOUT MY CONSENT FOR {$660.00} DOLLARS. I CONTACTED THEM DIRECTLY WITH NO RESPONSE. PLEASE ADRESS THIS ISSUE AS SOON AS POSSIBLE ....
Consumer complaint received 2021-02-05
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: TD BANK US HOLDING COMPANY (FL)

NORDSTM/TD XXXX OPENED : XX/XX/16 BALANCE : {$0.00} I am concerned with the validity and reliability within your current evaluation and the late payments needed for this account and exactly how it is reporting on my credit report. About 45 days ago I applied for an inspection considering the fact that I noticed the item seriously isn't being noted lately. To my big surprise, I have gotten a mail revealing that your assessment was completed and that the item had been " confirmed as exact. By Section 1681 ( g ) please be sure to provide me personally along with a summary of the approach accustomed to authenticate the account is " accurate '' and post me the name and addresses of persons emailed in every policy found in the FCRA.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC. (OH)

On XX/XX/20 I was looking for a car title loan. XXXX came up on my XXXX search. In fact they are the only one that did because these types of loans are illegal in Ohio. Since I found this out I've stopped paying and have asked for my title back. They are deceptive and operate using fake storefronts. They are threatening repossession. I spoke to XXXX XXXX XXXX and they claim they don't make these types of loans. They are listed as a lien holder on the title. Im at a loss as to what to do.
Consumer complaint received 2022-09-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc. (MA)

On the XXXX of XXXX, my wife and I decided to purchase our lease from GM Financial. We went through our bank to make the purchase. A check was mailed to GM Financial with paperwork requesting for the title and XXXX XXXX XXXX  to be assigned to our bank. However that is not the way things went. Unfortunately things did not go as planned on the part of GM Financial. The mailed everything to the wrong address, not to the bank nor to us! 
We have leased 3 vehicle going through this establishment, and I'm not sure a 4th will happen after this! We were given 60 days until our 1st payment would be due, which is now coming up fast. 
I have requested for some type of compensation considering the improper handling of everything, and I was told they will do NOTHING. They have now requested for a duplicated title, to which they informed me will take about 45 days. Then they can over night it to us, but hey should be sending everything to the bank that requested for the original paperwork. 
When we were not able to find another vehicle for less then XXXX over MSRP, so we thought to extend the lease. They did not give us any credit towards the residual for any of the 3 payments we made totaling ( {$1000.00} ). When I asked why we are not receiving any credit towards the vehicle, they said that was not the way it works!? 
I have the paperwork that was sent to GM Financial which does not request anything to be sent to us only to the bank. It is because of this, we are very confused why it would be sent anywhere else. We were at the understanding that we were dealing with a business that does these kind of things daily ... .what could go wrong, right. 
Now we will be responsible to make a payment on a vehicle we can not use, which is not fair business. It seems like the only thing they did right with in this transaction was cashing the check that was mailed to them. Now that they have there money and much more, they do NOT care to except blame or do anything to make things better. 
I requested for the information to reach the CEO of GM Financial to which they refused to give to me directly when asked! I was told that I could look it up for myself using XXXX, or that I could try to find it on their website. I feel like this could have been handled much better especially with a customer that has done multiple leases, maybe the money means more to them then the customers. They have been paid in full plus more, we should either have our necessary paperwork or think about covering the cost of a rental until everything is corrected, after all they made the mistake that caused all the issue we are dealing with.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX at around XXXX XXXX., I had an XXXX XXXX  XXXX XXXX, and was able to make an early morning appointment with my XXXX  at XXXXXXXX XXXX. My co-pay was {$90.00} and I was prescribed XXXX  on the same day. On XX/XX/XXXX, I submitted the receipt to XXXX  XXXX, in order to get reimbursed from my medical flexible spending account. The receipt clearly indicated the provider, the date of the appointment/ services, types of services " co-pay for today 's visit '', and the amount charged. However, on XX/XX/XXXX, I received a letter from XXXX XXXX saying that my receipt didn't provide the information mentioned above, and that it was only a credit card transaction ; I re-submitted the receipt highlighting the information that's required by IRS to XXXX XXXX on the same day XX/XX/XXXX, then received the denial letter on XXXX, citing the same reason : the credit card receipt didn't provide the information needed- which is false. 

It has been an ordeal to submit claims to XXXX XXXX as they have different standards for claim reimbursement.I filed a complaint to CFPB in XXXX to get a resolution on a product, which was resolved with their apology, then in XXXX they denied the same product, yet I couldn't reach the claim department, so I had to complain to CFPB about XXXX XXXX for the second time, which was resolved as well. I have seen my XXXX  twice so far this year, prior to XX/XX/XXXX, I had an appointment on XX/XX/XXXX, with the same amount of co-pay and the same form of receipt. I have attached both receipts : in XXXX it was approved, but in XXXX it was denied. 

p.s. The claim amount is {$93.00}, with {$3.00} is the mileage on top of the {$90.00} medical co-pay
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (CA)

on XX/XX/year> TD Auto Finance has unlawfully placed an unauthorized inquiry on my credit report, resulting in damage to my credit score and reputation. This has made it challenging for me to access credit and provide for my family.
Consumer complaint received 2022-09-15
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. (IL)

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand the accounts listed below be removed.

According to to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-16
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. (CO)

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This account has also been closed. When we closed on our home, XXXX XXXX was transferred to XXXX. These lates that are being reported are in error. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2023-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HORIZON BANK (TN)

Well I was charged overdraft fee for something that wasn't possible I have receipt my balance was XXXX I withdrew XXXX ; plus surcharge then I turned around and withdrew XXXX plus surcharge I was told that I overdraft XXXX dollar which was impossible from my balance and the bank don't want to give me my money they also charged me XXXX over draft fees which is impossible I have proof
Consumer complaint received 2023-02-01
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have reviewed my auto contact with legal counsel and have found multiple instances of fraud which vitiates the most solemn contacts, documents, and even judgments according to USA vs Throckmorton, 98 US61, at page 65. All of my evidence and exhibits are attached to this complaint.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (FL)

Southwest Chase credit card The offer was for a loan using checks to transfer & XXXX to where you needed it. YOu paid a {$5.00} transfer fee for the loan which was {$750.00}. It expires In XXXX of XXXX This was around the end of XXXX. The very first statement I received after the offer was accepted the bank XXXX out all the money I had in my checking and saving accounts.I had a giant - {$10000.00} plus on my checking account. Complete and total XXXX XXXX. 
There was absolutely no information about not having an automatic payment set up on the promotion as I went back and checked.

I immediately went to Chase bank and they told me that this was not from Chase this was a promotion from Southwest and I had to call them. I called them and after going from one agent to another they said they would straighten this out.

Fast forward after more calls I was informed that the {$5.00} fee was put on my credit card which I had to pay immediately at the credit card due date. I have- {$15000.00} on my credit card. My credit rating has dropped XXXX points. I was also told that if I wanted to pay it off early I would not get any credit back of the initial {$5.00}. I have cancelled all automatic payments from my charge card and I am not going to use it till the statement is paid in full. 

As an XXXX XXXX XXXX never having done this before I nearly had XXXX XXXX. As an XXXX  person I feel that institutions should make advertising easier for us to understand. 
My personal feeling is that when a banks name is on a charge card or an account they should be responsible for everything that transpires. 

Since then I have received this offer I have also received more offers from other airline/charge card/ bank companies worded the very same way. No warning about automatic payment set up.
Consumer complaint received 2021-07-13
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. (FL)

XXXX was a settled account back in XX/XX/2021 after numerous attempts and uploading proof and requesting the information to be blocked since JPMCB would constantly furnish innacurate information. i proceeded to request that they ( credit reporting agency ) respect and abide by the FCRA and they refused. even after having proof that the items had been paid, receipts and settlement paid letters as proof and account closed. numerous times i was dealt with bias and refussa to uphold the law. i am requesting that the item be blocked from further reporting on my credit file since they are unable to furnish a truthfull accounting of this debt.
Consumer complaint received 2021-02-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

I made a online transfer from my Chase checking account to my XXXX  XXXX XXXX checking account on XXXX XX/XX/2021, the amount is {$5000.00}. I used the transfer type is Chase 's " real time '' transfer. On Chase website, Chase comment " Limited to {$5000.00} per transfer ; Future-dated transfer are coming soon ; ... '' and " The money will usually be available in your external account a few moments after you send it ''. After over 20hours, this transfer did not complete! I checked my Chase account, this transfer was still " pending '' .This is not the first time I did the transfer from Chase account to my XXXX  account, the account No. is right. I do not know what happened, but I know this is not same as Chase said " the money will be available ... a few moments '' and this is not " real time '' transfer! 


Thank you for your attention and time Best Regards XXXX XXXX
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have reached out to TransUnion several time in efforts of having the incorrect information removed from my credit report. Unfortunately, the customer service agent I was connect with would not help and take care of the negative inquiries reporting to your credit report. After informing them that I was a VICTIM of their inquiry issue. 
I have listed the inquiries below : XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX I Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2019-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (LA)

PHH Mortgage consolidated with Ocwen Servicing. As a current Ocwen customer I received information about the transfer of the loan. I received a new load number and was told that my automatic payments would cease. When I attempted to begin automatic payment with PHH I was met with a mired of " Nos ''. They do not offer bi-weekly automatic payments and has an online payment system that does not support bi-weekly payments. They eventually granted me approval for bi-weekly automatic payments, but are not able to document it or confirm ( besides verbally on the phone ). I have spoken to them at least 30 times since they took over my account on XX/XX/2019. When asked about making an internal complaint, those are accepted by the customer service rep you need to complain about. After speaking to several of the customer service representatives, it is evident that PHH is set up to encourage mortgage non-payment/failure, as they intentionally make payment difficult. They intentionally limit payment options to encourage foreclosure.
Consumer complaint received 2021-07-13
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: Paypal Holdings, Inc (NJ)

5 unauthorized transactions were made on my account and when I contacted the company they sAID I HAD A contract?? with the place that the transactions were made and to contact them. However i did not and you can not contact the company as they refer you back to an account a person would have with them and I do not use this company.
Consumer complaint received 2020-11-22
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: Experian Information Solutions Inc. (FL)

I am upset to have to complain about accounts I did not consent to and have been a victim with identity theft and fraudulent activities. I cant understand why I am being held accountable for accounts that weren't done by me! I have made countless attempts to remove these accounts and still they remain which is very wrong!
Consumer complaint received 2021-05-05
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Klima, Peters & Daly, P.A. (MD)

I received a collection of a debt notice by regular mail on XX/XX/XXXX from PMKP File # XXXX. I mail them a validation letter on XX/XX/XXXX ( see copy ). 
Kilma, Peters & Daly sent me their response to that on XX/XX/XXXX, which I received on XX/XX/XXXX, from my landlord. 
However, Kilma, Peters & Daly file a lawsuit in the District Court of Maryland for XXXX XXXX on XX/XX/XXXX before I had my 30 days to review and respond to their validation. 
The validation process specifically does not allow notification of third parties, especially credit reporting agencies before the validation process is complete. 
My landlord was served a summons and presented it to me on XX/XX/XXXX. This did not give me thirty days to review and respond to their validation claim. 
I also received a letter from another attorney, XXXX XXXX, notifying me that I had been sued by XXXX XXXX and offering his services. 
This collection process was abused on the above information. 
Thank you for being there for the consumer and your attention to this matter. 
Sincerly, XXXX XXXX