davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America ( BOA ) was contacted the beginning of XX/XX/XXXX and claim # XXXX was submitted in reference to the dispute with XXXX XXXX. When the claim was submitted, I explained to the BOA representative my claim was in reference to the quality of the merchandise, and possible " Bait and Switch '' because the merchandise advertised on their website is not the merchandise I received and also submitted photographic proof. I explained I had contacted the merchant multiple times and I never received a response. BOA contacted me on XX/XX/XXXX advising me the claim was denied, not based on the claim at hand, but stating the transaction was valid because they provide proof of the transactions. Bank of America failed to review my claim properly or the documents submitted. I contacted BOA on XX/XX/XXXX to advise them my claim was reviewed incorrectly and it was based on if the transaction was valid or invalid but the quality on XX/XX/XXXX I received another response my claim was denied. This Bank use to have a good corporate structure, but it horribly ran now, and I base this on how my claim was presented to merchant incorrectly after all documents were submitted.
Consumer complaint received 2017-07-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

In XXXX 2014-XXXX/2014 me and spouse resided at XXXX XXXX XXXX XXXX XXXX, CA XXXX. On XXXX XXXX, 2014 my car was broken into within the garage on same property resulting in damages to tire nd exterior upon requesting leasing manager review camera to identify assailant was informed that there was no camera within parking garage. My wife and I got intimidated and request that our lease be vacated and we be allowed to move without penalty such as eviction or collection for future rent amount, the then leasing manager a XXXX XXXX XXXX XXXX  gave verbal permission and also signed an agreement for date we should vacate same property upon which we complied as such was XXXX/XXXX/2014. Five ( 5 ) months later we receive a notice from a collection company demanding a estimated amount of over {$8000.00} each for unknown debt, we have gotten an eviction notice from a court and we have in our possession written agreement signed on XXXX XXXX, 2014 giving us permission to vacate same property we were never warned about impending collection of debt we have also sent to the collection agency copies of several letters with leasing manager signature complying or in agreement for us to vacate the apartment building on or before XXXX/XXXX/214. We can furnish your agency with said copy also several attempt as been made through all XXXX ( XXXX ) credit reporting agency without them taking acting on our behalf.
Consumer complaint received 2017-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

1. Obtained a loan for a new car in XX/XX/XXXX with Chase Auto Loan. 2. In XX/XX/XXXX, the dealership was interested in buying the car, since I did n't use very much, I decided to sell it to them. 3. In the three years i had the car, i paid my loan via bank draft and was never late. 4. In XX/XX/XXXX, i called and got a payoff for the loan. 5. XX/XX/XXXX I went to XXXX XXXX and they made an offer to purchase my car. They requested a payoff from Chase as well for the car ( document attached ) 6. A check was sent to Chase Auto in the amount of {$21000.00} from XXXX XXXX on XX/XX/XXXX 7. On XX/XX/XXXX the Chase auto deposited the check and it cleared the bank ( dealer check attached ) 8. I received a notice from Chase thanking me form business and telling me account was no closed. ( document attached ) 9. On XX/XX/XXXX, XXXX XXXX received clear title to my car from chase and I received a check for my equity in the car. 10. On XX/XX/XXXX, I received a phone from Chase, telling me that I owed some {$1800.00} dollars on this account. There were no specifics, just that I owed money and that the account was going be opened back up. 11. I placed over 15 phone calls to chase between XX/XX/XXXX and XX/XX/XXXX asking for a written statement of how I owed this money when Chase had clearly given a payoff and lien release on my car. 12. Over the course of three months ( XX/XX/XXXX to XX/XX/XXXX ) i was told numerous reasons " Why '' i owed this money but was urged not to question and pay OR I my credit would be " ruined '' On rep even told me that the dealers check bounced. I knew there were serious issues at this point, when clearly this had not been the case. 13. Chase began to mark my credit report falsely and incorrectly with the Credit Bureau XXXX  between XX/XX/XXXX and XX/XX/XXXX ( reports attached ) It went from owing a past due amount of {$1600.00} to a 30 day past due of {$640.00}, this was well over 60 days after they recieved full payment for the car. 14. i worked with chases corp office, filing a complaint and ask that they rectify this matter, providing all documentation and they refused. 15. In XX/XX/XXXX they marked reported " ChargeOff '' on my account to the credit bureau. This account is still being reported as PAID, last reported deliquencies XX/XX/XXXX XXXX This sent my credit score down almost 100 points, I am having to pay really high interest on a car loan as a result of this error. I feel that i have exhausted all avenues trying to remedy this matter. You are my last resort. This is clearly an error that Chase is not willing to remedy. It is my hope that you will be able to assist.
Consumer complaint received 2024-03-14
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: Bread Financial Holdings, Inc. (WV)

Explained to each company I did not request credit with them and that they were supposed to contact me personally when a credit application was submitted as I have been through a situation similar to this before and my credit report states this.
Consumer complaint received 2019-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (SC)

I posted via XXXX that I was interested in purchasing XXXX XXXX tickets for a show in XXXX, XXXX On XX/XX/19 I was contacted by a seller that had tickets. We bartered and came to an agreement for {$120.00} per ticket or {$250.00} total on XX/XX/19. The seller sent pictures of his XXXX account and the 2 tickets he was claiming to sell. He claimed he could send them immediately. The seller wanted to use the app Zelle. He claimed it was safer because it was backed by the big banks. As a consumer I thought this would be one of the safer applications for XXXX payment. I paid the seller for the tickets but the seller never sent the tickets. I have tried multiple times to contact the seller since the initial transaction. The payment was still pending the next XXXX and I immediately contacted my bank, XXXX XXXX XXXX XXXX, to cancel the transaction. They said they couldn't cancel the transaction but that we could dispute the charge. I went ahead and started that process. I contacted Zelle and they said that the app is designed only to pay friends and family and not intended for the sort of transaction I completed. The best they could do was to blackflag the other user. To my knowledge they did this. About a week later my bank sent me the decision that, they could not dispute my charge because it was authorized by me and in Zelle 's terms and conditions the app should only be used to pay friends and family and financial institutions are not responsible. My bank admits I was victim of a scam but claim there is nothing that can be done. I find this policy to be a cop-out for both banks and Zelle. I have researched and seen that when a users Zelle account is used fraudulently, they can reverse those payments. This means that they have the technical ability to reverse this payment. I also feel that my bank should have the resources to figure out which financial institution my payment went to, and can contact them to recoup the funds.
Consumer complaint received 2019-10-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Comerica (TX)

I was a victim of hacking and my bank card information was stolen and used on XX/XX/2019 to make charge to these businesses on line with the amounts shown on that date :. 
XXXX XXXX {$280.00} XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. {$62.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX  XXXX XXXX  XXXX. . XXXX XXXX XXXX. {$49.00} For a total of {$920.00} my figures could be incorrect but they are closer than US Direct Express Bank figures and I recovered {$430.00} on the XXXX of XXXX and that money was put back in my account I tried contacting that bank then but was unable to it seems they have an overload of calls nearly all the time. When I finally got in touch with them on the XXXX I filled a fraud claim and they wrote me back on that date with the attached Statement and on XX/XX/2019 I recieved another statement saying that my money had been refunded and my case was closed. The money they are talking about is not the money they were supposed to get back the money they are talking about is monies that was returned before I ever filled a fraud complaint with them and before I first contacted you people, when i talk to them all they do is make me mad because they lie to me or make me mad enough that I say something they don't like and hang up on me and yes they do lie.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been trying to rectify a blemish on my credit report for over one year. XXXX XXXX XXXX has re-aged an account and it is causing my credit score to be significantly lower than it should be. I have contacted all three credit reporting agencies and all except Transunion have agreed to remove the erroneous information. I have submitted information proving that they have incorrect information. My request have been ignored and they are stating that all accounts have been verified as correct.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-01-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (TX)

I received a letter in the mail XX/XX/21 from sunrise credit systems, inc about a letter to attempt to collect a debt, the company have threaten to take action to the National credit bureaus. I checked my XXXX  report and it has been reporting since XXXX. I never gave them consent to take action or to discuss any debt, I dont know who this company is, this has caused me anguish and this is identity theft. Sunrise credit is in a total of 9 consumer violations. I sent in an affidavit of truth and a federal consumer violation invoice certified copy, return receipt.
Consumer complaint received 2018-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

Capital One sent me mail to apply for a credit card and get an Express Answer. After applying I got no answer except for a notice saying I would get more mail in weeks. I got a hard inquiry on my credit and no answer. 

I have all the paperwork and I am going to hire an attorney and file a formal complaint in court. 

This is misleading to say the least and is malicious.
Consumer complaint received 2017-07-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (NJ)

I been paying on a trail for a medication from Seterus since XX/XX/XXXX 2017!! loan number XXXX Now it going on 8 months and still no medication.. Call them and they tell me everything looks good and it taking sum time!!! Never missed a payment and put extra money in to escrow!!!
Consumer complaint received 2018-01-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CO)

Dear sirs : I have used XXXX for buying and selling XXXX for over a year. For no apparent reason I have been shut out for over XXXX months now. Can not buy or sell, or get my money out. When I try to buy or sell a note comes up saying I need to provide more identification information. Yet, after re-loading my drivers license several times, and receiving an email from XXXX saying " Successful ' the orange XXXX note keeps coming up XXXX more identification '. My recent letter to XXXX is attached in this complaint. No response from Coinbase re my letter or anything. 
I WANT MY MONEY BACK!
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (WY)

In accordance with the Fair Reporting Act these creditors has violated my rights under 15 USC 1681 section 6 O 2 states I have the right to privacy 15 USC 1681 section 6O4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The following are a list of the creditors : XXXX XXXX XXXX XXXX XXXX XXXX CB indiago XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I opened a Citi Premier credit card in XX/XX/2019, using a sign-up bonus of receiving XXXX " Thank You Points '' ( TYP ) after spending {$4000.00} in 3 months. About 2 months after started using the card, I contacted Citi bank using the messaging feature in its mobile app to confirm the remaining amount I had to spend to get the bonus. It was at the time I realized there was a mistake and the bonus offer attached to my account was " receiving XXXX TYP after spending {$4000.00} in 3 months. '' I mentioned this to the representative and was told to contact the Thank You Points ( TYP ) department. 
I followed up with TYP department, and I was told that since the then current public promotion offer for the Citi PRemier card is indeed " receiving XXXX TYP after speding {$4000.00} in 3 months '', they changed the offer attached to my account. I was told to follow up once I completed the spending requirement so they can make sure the correct ( XXXX ) TYP is deposited to my account. 
I contacted the TYP department after finished spending {$4000.00} but only received XXXX TYP. I was told that they will escalate this and manually adjust to add the XXXX TYP to my account. 
I contacted the TYP department yet again in XXXX after still not seeing the extra XXXX TYP. I was then told that the review was declined because I contacted Citi bank more than 3 months of opening the account ( which is false ).
Consumer complaint received 2020-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (RI)

This company has been continually harassing my wife and I, despite the fact that this debt was not owed and this issue was discussed and settled with the XXXX XXXX XXXX  4 years ago. We do not owe the gym money, we never owed this amount shown and we resolved this years ago. 

XXXX ______________________ NATIONAL RECOVERY AGENCY XXXX XXXX XXXX, XXXX, PA XXXX Toll Free : XXXX www.NationalRecovery.com XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX NRA ID : XXXX Statement Date : XX/XX/XXXX Total Due : {$390.00} Dear XXXX XXXX, Your account is still outstanding. Your immediate response to this correspondence will allow us to help you resolve this matter. 

Creditor Creditor Account NRA Account Number Date Amount Costs Amount Owed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$390.00} {$0.00} {$390.00} Unless you dispute this debt, your payment should be made directly to this office. Please choose one of the following methods of payment. 

To pay online please visit our payment portal at XXXX : XXXX XXXX NATIONAL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX, PA XXXX Toll Free : XXXX www.NationalRecovery.com XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, RI XXXX NRA ID : XXXX Statement Date : XX/XX/XXXX Total Due : {$390.00} Dear XXXX XXXX , Your account has been forwarded to this office for collections. 

Creditor Creditor Account NRA Account Number Date Amount Costs Amount Owed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$390.00} {$0.00} {$390.00} Unless you dispute this debt, your payment should be made directly to this office. Please choose one of the following methods of payment.
Consumer complaint received 2020-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Some time around late XXXX, early XXXX, I requested a forbearance from my Mortgage company Specialized Loan Servicing. I was granted the forbearance and received a letter stating that I was approved. Approx 6 weeks into the forbearance I was informed that a forbearance would hinder me getting a refinance. I called S.L.S to cancel the forbearance. I was advised to make a payment first, wait till the payment was received, then to cancel so the account would not show a delinquent balance. I did all of the things I was advised to. I followed up with S.L.S customer service to cancel. I was assured that my account was now active and current. Approx 20 days later I called S.L.S back due to missed  calls on my cell phone from them. I called them back to inquire what the issue was. I found out that the money I had sent to get my account active and out of forbearance had been cashed and was sitting in a account as unapplied funds and that the forberance was still on my account. I once again asked that the money be applied to my account and to be taken out of forbearance. A few months passed and I tried to get a refinance. I found out that my credit report currently shows Forbearance/deferment. with this showing, I can not proceed with the refinance. I have spoken with Customer Service@S.L.S approx 8 times and was told that they would send me a letter with the date on it from my cancelling the forbearance. The letters never arrive and when I called back and spoke to a supervisor, I was told that they could not give my anything on paper. I told them I needed to submit something in writing to get the refinance. S.L.S finally sent me a letter by email stating that my forbearance had ended, but they did not put the date that it ended, which I had explained to them that was very important. it has now gotten to the point where I am not getting calls back and the negative still show on my credit. I am starting to suspect that S.L.S purposefully did not remove the Forbearance from my account to pad their forbearance numbers or some other illegal activities. All I am requesting is for S.L.S to accurately report the information to the credit Bureaus and to give me the letter stating when I cancelled the forbearance.
Consumer complaint received 2022-02-15
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: TRANSWORLD SYSTEMS INC (MO)

Transworld Systems Inc/XXXX has been contacted twice to a pay an old debt I did not realize was still out there. In XXXX I was told they could not find any account under my name or social. The second time in XXXX I was told they found the account but it was charged off and no longer active. Since it was no longer active in their system, it can not be payed on. 

I then disputed the collection item on my credit report with the credit bureaus. I received a letter that stated they completed their investigation and found the debt is valid but was charged off some time ago. The letter went on to state it does not mean I have a 0 balance, the debt is still valid, but just can not be paid and it will continue to report negatively each month to the credit bureaus and they would notate " the consumer disputes the claim ''.
Consumer complaint received 2021-09-09
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: WAKEFIELD & ASSOCIATES, INC. (IL)

I've now submitted 3 letters notifying credit bureau this account is inaccurate and does not belong to me. I filed a complaint with CFPB on XX/XX/21. I received a letter stating the account was verified and also received a response from them on my CFPB portal with a file that had inaccurate information. that employer information on that file is not accurate and disagree with the results. 

I don't understand how some the personal information that is on this file was given to an outside collection company.
Consumer complaint received 2017-10-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Innovate Managed Holdings, LLC (TX)

My loan was bought by XXXX XXXX XXXX. I called about my payment showing past due. I sent proof i made payment on XXXX XXXX 2017 and account should be updated. Reps and managers have been rude and have attempted to collect even though my loan is not past due. Also receiving calls via auto dialer even though i have specifically advise then not to call me cell phone in the dialer. I have called several times to have issue rectified.now i am facing possible credit marking about this. I will file a Ag and bbb complaint as well.