davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (LA)

I went to XXXX XXXX XXXX XXXX in XXXXXXXX XXXX  in late XX/XX/XXXX and traded in a XXXX XXXX XXXX which was financed by Ally Auto Financing. All paperwork was signed and I thought everything was fine. I got a call on the last week of XX/XX/XXXX by the finance manager at the dealership telling me they screwed up the paperwork and I needed to come re-sign. I did this and then realized because of their paperwork screw up, they had not released the payoff amount for the XXXX truck to Ally Auto. When I check my credit report on XX/XX/XXXX, the installment loan through Ally had been reported 30 days past due because they did not receive the payoff in XXXX. 
I notified the dealership and finance manager. The finance manager said he would check into it. He never returned my call and was always " out of the office '' when I called back. 

After this happened, my credit score dropped over XXXX points. And it is still negatively affecting my credit rating.
Consumer complaint received 2022-03-01
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)

Inaccurate reporting for XXXX XXXX XXXX/XXXX ( previously held by XXXX  ) Accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX TRANSUNION 12 different XXXXXXXX XXXX XXXXXXXX Accounts are showing one late payment of 90 days for the month of XXXX 2019, but no 30 or 60 day notices of a late payment are present on report. It would not be possible to have missed 90 days of payments, given that the very next month of XXXX 2019 shows as on time, and all other payments since on are also time as well. 

XXXX XXXX different DEPT OF XXXXXXXX Accounts ( previously held by XXXX  ) are showing one late payment of 90 days for the month of XXXX 2019. 4 different DEPT OF XXXXXXXX  Accounts ( previously held by XXXX  ) are showing a late payment of 90 days for the month of XXXX 2019, but no 30 or 60 day notices of a late payment are present on report. It would not be possible to have missed 90 days of payments, given that the month of XXXX 2019 shows as on time, and all other payments since on are also time as well.
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: JPMORGAN CHASE & CO. (VA)

On XX/XX/XXXX, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
On XX/XX/XXXX, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
OnXX/XX/XXXX, XXXX/XXXX add a hard inquiriy on my credit report per XXXX.
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

XX/XX/year>, I attempted to payoff an auto loan held by Bank of America. I made an electronic transfer of {$20000.00} to Bank of America from our XXXXXXXX XXXX  checking account. On XX/XX/year> I noticed that the payment had been processed but the auto loan balance was unchanged. I called Bank of America customer service and they were no help, stated that it probably hadn't gone through yet, which was not true. I discovered that the payment/transfer had been made in error to our credit card account with Bank of America and had it fact been processed resulting in a credit balance in this account. On XX/XX/year> we met with XXXX XXXX at the Bank of America branch office in XXXX, Indiana. XXXX had examined the accounts and agreed that the payoff payment had indeed gone to the wrong account. She initiated a call to Bank of America customer service and resolution options were discussed. We were advised that the fastest option would be to request a refund back to our checking account. The request was made at that time. XX/XX/year> XXXX relayed to us that Bank of America said that an ACH transfer was attempted and failed. I could see no evidence of this in my checking account. Bank of America now stated that they have 30 days to accomplish this transfer. The credit card account shows a payment adjustment in the amount of {$20000.00} on XX/XX/year>. No funds have been received in our account or by any other means. XX/XX/year> there has been no explanation of where the funds are or when, where and how these funds will be returned to us. While Bank of America continues to delay refunding our payment they of course continue to add daily interest to the loan that we intended to pay in full. We do not feel that they have acted in good faith. They have not been forthcoming with information regarding the methods and/or timeline regarding resolution of this matter. We are asking that this be resolved as quickly as possible so as not to incur further interest charges on the auto loan.
Consumer complaint received 2019-08-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Los Angeles Collection Service, Inc. (CA)

XXXX XXXX XXXXl and the people who claim to represent it are attempting to collect payment for an alleged scratch to the driver side door of a rental car, but are withholding basic information and acting in a deceptive manner. I have repeatedly asked for a copy of all prior repair estimates for the vehicle, confirmation as to whether repairs were actually made and a detailed final invoice for the actual repairs performed. My polite correspondence has been met with deception, hostility and attempts to intimidate. 


The requests for payments are coming from Los Angeles Collection Service  and an employee of XXXX  XXXX named XXXX XXXX. XXXX XXXX claims that XXXX  XXXX owns XXXX XXXX XXXX, although he has been unwilling to provide any documentation to back-up this claim. 


The reason I am asking for a copy of all prior estimates is that the car had significant pre-existing damage to the rear bumper, which would have required auto body work that duplicates the work that XXXX XXXX XXXX is trying to get me to pay for. All parties agree that the car was damaged before entering my possession. There are pictures and a video that prove the existence of pre-existing damage. The damage that XXXX XXXX XXXXl claims I am responsible for is a scratch to drivers side door, and yet they want me to pay for 5.8 hours of labor, plus parts, for the cars already damaged bumper. 


One of the few documents that I have been provided with is a " Preliminary Estimate ''. Unfortunately, the Preliminary Estimate conflicts with written statements from XXXX XXXX. For example, XXXX XXXX has claimed ( in writing ) that Im only being charged for 2.2 hours of labor for work to the cars bumpers ; however, the Preliminary Estimate shows 5.8 hours of labor. My conclusion is that either the Preliminary Estimate is incorrect or XXXX XXXX is lying. 


In order to help resolve the gross discrepancies between XXXX XXXX XXXX XXXXs written statements and the Preliminary Estimate, I have asked for a copy of an invoice showing the actual repair costs to the vehicle. XXXX XXXX XXXX admits that the repairs have already taken place, but refuses to provide me with a detailed final invoice. 


I attempted to resolve matters over the phone, which resulted in XXXX XXXX yelling at me and acting in a hostile manner. I attempted to resolve matters with correspondence, but XXXX XXXX responds with inaccurate information and wild speculation. 


Additional Information : -The rental car was returned to XXXX XXXX XXXX ( by me ) on XX/XX/2018XXXX XXXX XXXX   alleges that I returned the car to them with a new scratch to the driver side door. 

XXXX XXXX XXXX has demanded {$1800.00} for repairs. 

-To my later objection, my insurance company paid XXXX XXXX XXXX {$800.00}. 

XXXXXXXX XXXX XXXX is demanding {$1000.00} from me.
Consumer complaint received 2017-12-19
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I attempted to pay my rent in XXXX 2017 with the BillPay function that Bank of America provides. Apparently the check was stolen and cashed. I still had to pay my rent that month, so I had to write another check. Bank of America gave me a credit for the stolen amount, but it was a 30 day temporary credit. 

Every month since Bank of America has let the temporary credit expire, with no warning or notification. I end of checking my account balance, seeing that the credit has expired, and calling them to reinstate it. This has happened every month, and although individual customer service reps are sympathetic, they all say there is nothing further they can do. One rep told me to " pretend the money is n't really in your account ''. 

This is money that is mine, that I trusted Bank of America to send to my landlord, and was stolen.
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

I went into a local Wells Fargo branch to make a cash payment on my Wells Fargo business secured credit card. When I went to go use the card, it was declined. When I called Wells Fargo and told them that the card was the declined they said yes it takes three days to process the cash payment when your credit card is in a over the limit status. I always make my payments in cash at the branch and the credit limit is always immediately available. But they said since i had gone {$25.00} over the limit they were going to take three days to process my cash payment My complaint is why should I have to pay three days worth of interest on credit Ive already paid back and not have access to my available credit because Wells Fargo has to process the cash. Processing is a bank term that should be used when two banks need to process a payment between each other. That is when things have to be verified. There should be no three days to process and verify cash when they input it in the system at the Wells Fargo counter and deposit it directly into the Wells Fargo vault. Theyve probably already given that cash to someone else and its already out the door! Once they take it and give me a receipt thats the process post my payment, stop charging me for interest after Ive made the payment and give me access to the credit line which Ive already paid for
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — Store credit 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. (NY)

My Macys  XXXX credit card XXXX was last used on XX/XX/XXXX to purchase a XXXX backpack {$92.00} at Macys XXXX, New York. And the credit card account statement of {$92.00} was paid in full on XX/XX/XXXX. Since then I have not made any other purchase using this card at a Macys store. 

On the night of XX/XX/XXXX I noticed in my mailbox : XXXX, there were 2 Macys e-Receipts for purchases made in XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, PA XXXX XXXX ) sent to me on XX/XX/XXXX XXXX XXXX and XXXX XXXX. 
On XX/XX/XXXX I contacted customer service and reported the unauthorized transactions made to my account in PA, as I live in New York and did not make those out of state transactions at XXXX Macys. Also, I still have the credit card on hand with me. The representative explained to me those transactions did not go through, the card is now no good, and that a replacement card will be sent to me in 7-10 business days. 

On XX/XX/XXXX, Macys Credit Card sent an email for me to view Macys credit card statement. I logged in to check the statement - there were no activities and account balance was XXXX. 

Since then, I have not received the replacement card nor have I received any credit card statements for the account. 

On XX/XX/XXXX, I received this account past due statement in the mail from Macys. I do not recognize the account balance since I did not make any purchases, nor have I received any statement balance since my last payment on XX/XX/XXXX.
Consumer complaint received 2022-10-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: World Acceptance Corporation (TN)

World Finance Co, aliases World Finance Corp.is reporting to All three credit bureaus agencies- XXXX, XXXX, XXXX, with different account numbers reporting differently to all 3 credit reporting agencies. World Finance CorpXXXX is reporting duplicate accounts for the same amount of {$430.00} opened on XX/XX/2017 & XX/XX/2017 - {$430.00} Second account XXXX. Another account number XXXX, opened on XX/XX/2017 & XX/XX/2017 - {$430.00}. This account I never opened or received money from creditor. Identity theft. Per Fcra Rule 623 ( a ) ( 6 ) ( b ) - consumer notifies you that he or she is a victim of Identity theft, and gives an identity theft report you XXXX not furnish information to the CRA regarding fraudulent account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fcra rule 609E. 
I am attaching my ftc identity theft report, driver 's license, police report number for XXXXXXXX XXXX police department, utility bill.
Consumer complaint received 2021-05-03
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: EQUIFAX, INC. (OH)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (NJ)

This is a complaint for Wells Fargo bank paperwork was filed XX/XX/XXXX for checks cashed by Wells Fargo bank. My bank submitted the correct paperwork and have not heard back. Checks were made out to XXXX and Wells Fargo cashed them because they went to the wrong XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These checks were paid via bill pay back of checks were stamped with Wells Fargo bank XXXX XXXX mercury XXXX XXXX
Consumer complaint received 2019-08-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2019 I made a purchase through XXXX from a seller from XXXX XXXX. It was for the amount of {$140.00} dollars. I was messaging with the seller back and forth and the seller stated that after receiving payment they would ship out item. Unfortunately that was not the case the seller never sent item I was scammed. I reached out to my bank Wells Fargo that same day. I tried to see what I can do to prevent the transaction from going through and they said that I had to wait for the transaction to post. Then I had to call them back the next day to file a claim so that they could investigate. So the next day I called filed the claim they said it would take 10 days to investigate. I kept calling days after to check the status on my claim and Finally on day 10 the claim specialist said the case was closed and they wouldn't be able to help me. I think that they should be able to help their customers when it comes to matters of this sort because I called that same day to try to stop the transaction there should be something that they can do to prevent the transaction from going forward. I should have been able to dispute the transaction that same day with no issue instead of waiting 10 days for nothing to be resolved. XXXX as well as Banks fail to let their customers know about how in situations like this they can not do anything about it until it happens. After the customers are left with no money. I would like to get some type of reimbursement or courtesy refund for my troubles.I am so angry I will NEVER send money through XXXX ever again. This is ridiculous that there is no way to prevent this stuff from occurring and that they have XXXX customer service and can't help out in situations with fraud or scams. There should be a better way for them to track that money and if there is fraud or scamming involved the customer should be able to suspend the transaction!!!!
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

LOOKING OVER MY CREDIT FILES TODAY AND I SEE ACCOUNT THAT I HAVE NEVER RECALLED DOING BUSINESS WITH THESE COMPANIES. I HAVE SOME ADDRESS ON MY FILE THAT DO NOT BELONG TO ME. 
THE FOLLOWING ACCOUNTS ARE NOT MINE : 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 XXXX # XXXX I have filed a Police report and a FTC ID Theft Report.
Consumer complaint received 2017-12-20
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: Experian Information Solutions Inc. (PA)

Former or Current Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone number : XXXX is not on my credit report and is my current employee for last 2 years.
Consumer complaint received 2022-04-27
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. (IL)

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX XXXX / XX/XX/2021
Consumer complaint received 2020-09-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I submitted a dispute letter with the credit reporting agencies in regards to inaccurate information on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. I sent the first letter on XX/XX/2020 and the 30 day follow up letter on XX/XX/2020.
Consumer complaint received 2022-10-10
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: SYNCHRONY FINANCIAL (FL)

In accordance with the Fair Credit Reporting Act the creditor, SYNCB/JC Penny XXXX has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy ; 15 USC 1681 Section 604a section 2 it also states that a consumer reporting agency can not furnish account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2021-05-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

Applied for Care Credit, Selected 24 month no interest option. Neither the veterinarian office, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX, United States, or Care Credit contacted me to let me know, the loan could only be accepted as a 6-month no-interest loan. 

They never mailed paper statements, although they claim I enrolled. 

They have failed to communicate in an adequate fashion. 

The same problems from XXXX arose in XXXX, Deceptive enrollment processes : The CFPB found that service providers misled some consumers during the enrollment process by not providing adequate guidance clearly laying out the terms of the deferred-interest loan. CareCredits limited involvement during the enrollment process and lack of oversight and monitoring allowed this deception to continue. 

Inadequate disclosures : Many consumers did not receive copies of the actual CareCredit agreements and instead had to rely only on the oral explanations given by the service provider or office staff. Many consumers were enrolled on the belief that it was an interest-free card, and did not understand that they were actually agreeing to a deferred-interest product with a XXXX percent interest rate. 

I also noticed in research Care Credit failed to act in accordance with the ruling that was ordered on XX/XX/XXXX which states : Representatives will contact most CareCredit consumers within 72 hours of the initial transaction to explain the product to them over the phone. In addition, for certain transactions of more than {$1000.00}, consumers will enroll directly through a CareCredit representative and not through the doctor or dentist office representative. 

I received no contact in that time frame or later. 

Care Credit is still engaging in deceptive and harmful practices, preying on people in their most vulnerable moments as they are either in pain, watching a loved one in pain, or perhaps even fighting for their lives. 

This simply can not be allowed to continue and oversight to this despicable organization must come swiftly and harshly as they have placed profit over the person in the vilest, most predatory, and the dirtiest way you can, by taking advantage of people in their most vulnerable state.