davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (OH)

Us bank ReliaCard for pandemic unemployment agencies of Ohio has had my card locked for 2 months now. Since XX/XX/2020 to current XX/XX/2020. I have faxed all my documents such as photo ID, birth certificate, w2 forms and social security card! They still havent been able to help me unlock my account!
Consumer complaint received 2021-01-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I mailed out letters via certified mail requesting that the company verify the alleged debt and inaccurate information on my report. The USPS tracking showed the letters were delivered on XX/XX/2020 and then follow up letters were mailed and delivered on XX/XX/2020, XX/XX/2020 ,XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. It has been more than 210 days and I have neither received any updates nor have I heard of any investigation being conducted. Per the FCRA, the company has 30 days to complete their investigations and here we are more than 200 days later and not only are the inaccuracies still reporting on my report, they aren't even under investigation. The multiple sets of letters have been disregarded and my rights have been violated. I'm contemplating legal action as the next step if this warning does not show how serious I am about my disputes.
Consumer complaint received 2020-11-24
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: MoneyLion Inc. (PA)

I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.
Consumer complaint received 2019-02-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIGY USA CORP. (CA)

On or aboutXX/XX/XXXX I purchased a vehicle from XXXX XXXX. In XX/XX/XXXX the loan was transferred to XXXX XXXX XXXX. I filed Chapter XXXX in XX/XX/XXXX. When I dismissed the Chapter XXXX in XX/XX/XXXX, I contacted XXXX to request the payoff. After more than 15 telephone calls, no one could find the record or tell me the balance I was told it was charged off during the Chapter XXXX. XX/XX/XXXX, my vehicle was repossessed from my home. I was directed to XXXX XXXX XXXX. No one at XXXX speaks English ; it is a call center in XXXX. However, I went through the process, paid off the balance and all associated repo fees in the amount of {$5800.00} ( pay off balance of : {$4800.00} ; repo fee : {$980.00} ; and Redemption fee : {$140.00} ). I was told I would receive the Certificate of Title within 15 days.

I did not receive the certificate of title in 15 days. I then contacted XXXX, who would not talk to me but rather directed me to contact XXXX XXXX  at XXXX. I called and tried to talk to someone about my title despite the language barriers and I was told it was on its way.

XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX ( I have no idea who this is? ) on XXXX letterhead that indicated : They had contacted the CA DMV to remove their lien interest and I should receive the title within 15-20 business days. In addition they included an unsigned State of California Certificate of title listing XXXX At XXXX XXXX as the legal owner of my vehicle. I took the Certificate of Title to the DMV and was told that the certificate was an unsigned, illegal document. I placed 6 separate calls to XXXX, told them the document was not legal and asked for a legal replacement. Out of frustration, I contacted XXXX and told them I had a fraudulent document. They informed me to make a formal, written request to : XXXX XXXX XXXX XXXX GA XXXX. That request was faxed on XX/XX/XXXX to : XXXX. I still received no response or legal Certificate of Title. On XX/XX/XXXX, I contacted XXXX again. I was asked to email my request to : XXXX. That email was sent on XX/XX/XXXX. To date I have received no response or no legal Certificate of Title.

I get the run around at every turn and this company ( ies ) : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are conducting fraudulent activities and will not send me my legal Certificate of Title.
Consumer complaint received 2020-12-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: KEYCORP (IN)

The bank was returning charges and impossing {$38.00} returned charge fee multiple time throughout a month. This is after I had elected to have overdraft protection, which they showed j that I didn't even though on my online banking app I did. Further these returns kept the bank from being able to give me details on these attrmpted charges which made it impossible for me to attempt to verify the validity of them, which upon investigation were not authorized instead fraudulent.
Consumer complaint received 2021-01-22
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: HYUNDAI CAPITAL AMERICA (MI)

I turned in my lease with Hyundai on XX/XX/2020 and had perfect payments until after I turned in my lease, as I was on autopay. As of XX/XX/2020, my credit report stated I had two late payments for XXXX and XXXX. I contacted Hyundai Motor Finance, end of XXXX when I was notified. Due to Covid, it took several attempts and over a week to get in contact with anyone. When I was finally able to speak to a human on XX/XX/2020 with Hyundai Motor Finance, I immediately paid the outstanding balance they never took out of my account for my last month of owning the lease. They never informed me they shut off my autopay without my knowledge and it began to negatively affect my credit. I also found out through this process that XXXX XXXX ( where I turned in my lease ) and Hyundai Motor Finance are two separate entities and do not communicate. Therefore, it took even longer to try to resolve this issue between the two companies and their lack of communication. For example, I spoke to XXXX XXXX and they informed me everything was fine on their end and I had a {$0.00} balance. Then I received a late payment confirmation from Hyundai Motor Finance and was informed otherwise. Covid really took a toll on this situation as well, as I was unable to speak to anyone after many attempts and several weeks. I ask that you review my entire credit history, in addition to all my payments with credit cards and Hyundai specifically. I have never had a single late payment until now.
Consumer complaint received 2020-12-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

Macy's- Account # XXXX I have tried to resolve this account with Macy 's numerous times and my account is not resolved. This account was used FRAUDULENTLY in 2019 when I was alerted of charges made and contacted Macy 's immediately to resolve. I was told by Macy 's that indeed there was suspicious activity and that the case would be investigated. The case was closed and my account was not fixed.
Consumer complaint received 2022-08-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (OH)

Opened Saving Account at Ally Bank ( online ) set up a transfer from XXXX XXXX  ( aka XXXX ) of {$100000.00} on XX/XX/XXXX. I gave Ally my Routing and Account Numbers, the next day the Funds disappeared from XXXX. That same day XX/XX/XXXX I got am Email from whet appeared to be Ally banking instructed be to contact them which I did. I was concerned using a number from an unsolicited email but a representative from their Fraud prevention depart questioned me in a rather aggressive way if that was my money and demanded I fill out forms with personal information to attest to it. I reaction to this by saying cancel everything which in hide sight was a mistake. She canceled/closed my account on XX/XX/XXXX, the funds that they removed from my XXXX Account were never deposited in the ALLY account. I was told by this representative that they would be returned to my XXXX account XXXX as of today they have not. Called XX/XX/XXXX and was told by the same Dept the funds were statused as rejected on XX/XX/XXXX and the funds should be in my bank account, again which they were not. I contacted my Financial advisor at XXXX and we called ALLY together on XXXX hours on hold multiple cold transfers and we end up back at the same Fraud department with the original rep who closed the account. She claims the transfer never went through but they were removed from my XXXX Account. I was told by ALLY to file a claim with XXXX which I did. I was told by my Advisor that was rejected because XXXX as never received the funds. I called ALLY again on XXXX, multiple cold transfer repeating the same Information to them and ended back up at the same department to the same person that cold transferred me to from the beginningt. One lady in the middle of transfers told me my case had been closed and I was in a Fraud Profile. Which essentially means to me they must be holding my money. This Lady named XXXX said she reopened my case, she reportedly conversed with the XXXX team and reported back to me to file a claim with XXXX ( which again was done on XX/XX/XXXX ) I was eventually transfer back to my original representative in the Fraud Depart " XXXX '' Maybe. this time he was argumentative since I recognized his voice and remarked on being cold transferred so many times. I asked for him to remove the Fraud profile on my file that XXXX instructed that I do but he rudely refused. I asked to be transferred to a supervisor and he said some undiscernable words I got a voice mail of a " XXXX '' ( phone sound quality was very poor ) long story short here ALLY pulled money from my bank account and it is now now where to be found I can supply a case reference number
Consumer complaint received 2019-02-23
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. (GA)

accounts had been opened in my name, this is a written request to block this accounts from my credit report in accordance with FCRA, fraudulent information should be block from consumer credit file. An FTC report had been filed as well as a XXXX police report # XXXX. 
Upon completion of the review please remove all none account holding inquiries and all addresses other than my current to prevent others from using my identity, I also would like a copy of the updated report.
Consumer complaint received 2019-02-23
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: Comerica (TX)

XX/XX/XXXX I closed an account with XXXX XXXX. This past XX/XX/XXXX a check was cut for {$2000.00} and mailed to me. That check has never reached me. I have tried without success to contact and talk with anyone. It has been 3 years that I have been trying to collect this money in which i had to spend hundreds of dollars in court fees getting together the correct paperwork. I have reached out to the us treasury and ask for help. That is where this company is a branch of. I have tried every avenue i know of to contact anybody with this company for answers to why i have not received this check without any success. i did everything i was asked to do by them initially to receive it which was filing a small estate affidavit which cost me {$200.00} through the court as well as provide all documentation ( death certificate and birth certificate ) After they said they sent the check and i waited a reasonable amount of time to receive it all communication stopped.
Consumer complaint received 2019-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (GA)

On Friday, XX/XX/ 2019 I transferred {$130.00} from my XXXX account to my Suntrust account. The money has subsequently been stolen by Suntrust ( they do not recognize the transfer despite XXXX saying the transaction was completed and my funds being missing ).
Consumer complaint received 2021-09-01
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FORD MOTOR CREDIT CO. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 
This just proves your lack of proper record keeping. Now, this item is reporting to be late, yet it is closed and the balance is zero. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of CLOSED.
Consumer complaint received 2019-02-23
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (MD)

Re : XXXX Continue debate over JP Morgan credit card that was issued to me put back in early XX/XX/2018 for travel. I think XXXX and JP Morgan 's plan was to keep any employees 50 and over too tired so we didn't notice that they were stealing from our credit card accounts we were working 7 days a week and 10 hours a day and my last day for working with XXXX was XX/XX/2018 yet JPMorgan kept changing the Auto machine to say different things when I called to check on my account, and I wasn't working nor using their credit card. Now starting with the auto machine it was at one time {$4000.00} that this bank had been asking for in beginning but I only had XXXX   XXXX so I sent it and at that time I was trusting that the government Bank was a good bank being a good steward staff member. A JP Morgan staff person told me the {$3000.00} was for the XXXX XXXX, so I called to XXXX XXXX  and they said they had already been paid in full. This is when I knew JPMorgan Chase bank was Bank was telling lies. Also this bank did not tell me that the hotel the XXXX  XXXX although a crooked Hotel had already taken their {$150.00} to pay for the time I had stayed there- JP Morgan owes them {$150.00} more, and JP Morgan shouldn't be just as corrupt to steal from them. JP Morgan- Chase Bank sent me invoices this bank calls them ( disputes ) but on the banks auto machine they called it my credits. JP Morgan Case Bank gave me a check for {$1700.00} attached. After I sent this bank my $ XXXX XXXX paid $ XXXX then this bank set up a credit for me, that I didn't ask for. My age is a perfect prey in fact any workers XXXX and over and XXXX -Home land Security was hoping we didn't notice what they were doing and I didn't know either until the dispute. I will let the XXXX protection know and the elderly protection know what what's going on with JP Morgan Chase Bank. I told my boss and he just cut off my XXXX-off and went into hiding. THIS lets one know this bank is corrupt and XXXX. I have put in a report with the Police. Now if JP Morgan- Chase Bank wants to go to court they can bring their invoices in strong reasonings with them. The Banks auto machine began to say I owed JP Morgan- {$630.00} then they say - I had it in credit. This amount was from a case that I won back in XXXX XXXXand I spent the whole XX/XX/2018 fussing with a JP Morgan Staff woman -XXXX  XXXX about a case that has already been settled in XX/XX/2018, ( how crazy is that? ) So I requested a man staff of JP Morgan to look over my account there at this bank. JP Morgan 's auto machine began to say that I had XXXX in credit I requested that-but never got, it then it said that I had a credit of $ XXXX so I requested that, but never got it.My $ XXXX JP Morgan wants it back I say no and we can go to court and they can bring all the paperwork and invoices I'm ready to go
Consumer complaint received 2022-01-06
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX XXXX XXXXXXXX
Consumer complaint received 2021-01-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC. (TX)

On XX/XX/XXXX I contacted Arvest Mortgage Company to make them aware that they have not paid the taxes on my property {$4000.00} which was due by XX/XX/XXXX. I was told that they would resolve this issue immediately and ensure that the taxes were paid. On XX/XX/XXXX I received a call from the company stating that the taxes were paid and was not due until XX/XX/XXXX. On XX/XX/XXXX I made contact with the county tax office and was informed that the taxes have not been paid by Arvest and I am still delinquent on paying taxes to my property. I made contact with Arvest again on XX/XX/XXXX and the staff member Informed me that the taxes were not paid and she could not provide me with an update on when and how this issue can be resolved. At this time, the Mortgage company Arvest have failed to pay taxes on my property and resolve the issue timely.
Consumer complaint received 2020-11-24
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. (AZ)

XX/XX/2020, I sent a letter regarding wrong and inaccurate things on my credit report. To this day, over 60 days, I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to remove those from my credit report immediately, and it's been over 60 days, so they should be deleted promptly. Also, my information was impacted by the Equifax data breach and may have gotten into the wrong person 's hands.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

My AT & T Universal Card has no one answering the phone. I pay my bill in full each and every month and have done so since being a member since XXXX. Since the COVID-19 Pandemic, card statements are coming later and later each month, in fact, I did not rec ' a bill in XXXX at all. They refuse to adjust {$29.00} in fees and {$18.00} in interest. 

Bills have been coming in my mail later and later and despite mailing on time they appear to be " arriving '' at their locations late, resulting in their " fees '' ( note the do not call them late fees in the account summary which is misleading. They also charge interest payments but DO NOT SPECIFY the interest rate charged, also misleading. 

The company has a misleading paper billing statement. Billing period is XX/XX/XXXX - XX/XX/XXXX yet they state that my billing period is the first of every month. When this happens the company states that I can go paperless and sign up for automatic bill pay which to the company makes their life easier but as a victim of on line fraud, I do not want to sign up with this option. I prefer paper bills and do not want to be at the mercy of faulty mail and billing schemes as well as interest rates of 29.89 % which is disgraceful for someone with a XXXX FICO score. 

CITI ATT UNIVERSAL CARD XXXX XXXX XXXX XXXX XXXX, SD XXXX. 15-20 minute wait time for live operator. 

I would like to know if there are internal marketing " goals '' that encourage paperless, direct payment from banks as a business decision which forces consumers onto web sites and be open to fraud. 

Is the CFPB looking out for the consumer or defending the " big '' credit card companies during a COVID Pandemic? This is a question that many consumers have and it seems the Credit Card companies are getting away with misleading fees and late charges. 

I would like to know if late fees and interest fees have increased during COVID-19 and what the CFPB is doing.
Consumer complaint received 2019-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (LA)

Synchrony Bank allowed someone who stole my Identity to open two accounts ( XXXX  XXXX XX/XX/2015 ) and XXXX XXXX XX/XX/2015 along with a few other Synchrony Bank store cards. These account were open as part of a person who stole my identity living as me for quite some time even attempting to make payments to keep the theft ongoing. they were notified numerous times over the last 4 years about this yet stated my claims were invalid and basically called me a liar, They have since gave no relief or help in this matter and continue to ignore me. 4 years has been long enough for them to resolve this matter
Consumer complaint received 2019-02-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (TX)

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from TRANSWORLD SYSTEMS in XXXX of 2017 in the amount of {$910.00}. First and foremost, I have confirmed that the debt collector, TRANSWORLD SYSTEMS is not licensed in the state of Texas to collect on this debt. Secondly, TRANSWORLD SYSTEMS violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to TRANSWORLD SYSTEMS? I have never heard of them, have no written contract with them and have never received any benefits from them, yet TRANSWORLD SYSTEMS has submitted negative information to all three credit reporting agencies ( XXXX, XXXX  and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$910.00}.