davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (PA)

On XX/XX/XXXX I initiated a XXXX $ XXXX  transfer ( via ally bank ) to XXXX XXXX ( XXXX XXXX  ). 

By XX/XX/XXXX Ally Bank XXXX XXXX XXXX  had the {$300.00} transfer. I contacted ally bank and my recipient of the transfer contacted her bank. Her bank which is XXXX XXXX stated that the transfer was rejected on XX/XX/XXXX. 

Ally bank which is my bank gave me nothing but a run around. Ally stated that they had no liability for the transfer because on Ally Banks side, the transfer was complete. 

On XX/XX/XXXX XXXX XXXX  told XXXX that because the funds were rejected Ally bank should know exactly where the funds are. I again called Ally bank on XX/XX/XXXX and they stated that they had no idea where my money is. At that point, I stated that I would give them 24 hours to produce an answer and if they did not produce an answer than I would send this information to the proper authorities as a complaint. 

It is now XX/XX/XXXX and I do not have an answer as to where my {$300.00} is.
Consumer complaint received 2021-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

My CitiBank credit card was fraudulently used for two transactions on XX/XX/2020. One charge was for {$220.00} and the other was {$450.00}. I reported these fraudulent charges to CitiBank in XX/XX/2020. When I spoke with the CitiBank representative they were able to eventually refund the charge of {$220.00} toward my account. However, I was notified, on XX/XX/2020, they would not be refunding or able to reconcile the fraudulent charge in the amount of {$450.00}.
Consumer complaint received 2017-04-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: KEYCORP (MA)

In XX/XX/2016 a bank that was handling my wife and I car loan was bought out by another bank. The bank that was sold still pulled our last payment however the new bank is asking us to repay that month. I 've provided the new bank with documentation but they requested proving that I paid it and they harass me every month for that outstanding debt that is not there. They now say that they paid me back and someone cashed the check that they sent me. I have requested that documentation be given to me proving that it was cashed and by whom. And they can not provide that information for me I 'm being harassed every month my account is being charged overfees and I refuse to pay something I already paid. Can you please help me this Bank is trying to put us in bankruptcy or under Title 11 because they think we 're not in compliance when we really are. However they can not provide us with any information or any proof that they made a payment to us and I provided them with proof and I made one to them.
Consumer complaint received 2016-12-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I took out a mortgage loan in 2006 because it was advertised as a low monthly payment and low interest rate. However, every month the mortgage payment kept increasing including the interest rate. I defaulted because the payment ended up getting so high that I was no longer able to afford the monthly payment. It was like if the bank wanted me to default on the loan on purpose. I also tried to modify the loan several times but it was denied.
Consumer complaint received 2021-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (NC)

On XX/XX/2021, I was at work and expecting my Stimulus deposit. I got on my Chime App and chatted with a representative. I asked them, when was my deposited be posted. 3/5 minutes later, I get an email, stating my account was closed. I havent did anything wrong and I havent used my account since that following Saturday. No fraudulent activity was made and I was able to go into my account, until I asked about my deposit. I do believe a Chime employee, was or did steal my money. I had {$1800.00} in my Savings account and I was suppose to get {$1800.00}, stimulus deposit, the same day. I contacted Chime and they promise me, they was going to expedite my check to me. Now, as of today, the email me again and said, I have to wait 30 days to get my check bc of Covid. Theyre holding my funds and want release them. I had told them that I cant pay my bills and I need my money. They promise me, I will get my check printed and expedited. I have the emails. Now, theyre telling me I have to wait. I dont know what to do. I now, not only have my money in my savings, I dont even have access to my Stimulus money as well. They just keep lying to me. I did nothing wrong for my account to be closed. I just want my money.
Consumer complaint received 2022-01-04
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: Experian Information Solutions Inc. (NC)

XXXX XXXX I, XXXX {$10000.00} XX/XX/2018 I have disputed this account on several occasions, I have asked please not to show it in my credit report and it has disappeared but it reappears and I am concerned because I have not authorized it to be displayed
Consumer complaint received 2017-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (IL)

When I switched to XXXX from XXXX I was not told that they are an affiliate of them, I was n't told that I would have to pay the final bill in order to get service. I was only told that I could n't get a free phone because I switched from XXXX. They stated that when ypu sign up with them they pay your last bill from whatever company you come from. I was sent mail from XXXX for the amount of the bill and it has then been sent to diversified solutions for collections. They call at least three times everyday
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (GA)

NAVIENT is willfully failing to comply with the law and if they do not DELETE the account and stop reporting it and other information on my consumer report that I did not give them permission to do they will be held liable to me the consumer according to 15 U.S. Code 1681n - Civil liability for willful noncompliance. 
They are in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, for failing their responsibilities and for not deleting inaccurate information from my consumer report. 
They are in violation of 15 USC 1681b ( 2 ) - Permissible purpose of consumer reports, I did not give them written permission to report anything on my consumer file. 
They are in violation of 18 USC 1028A, they knowingly transferred, possessed, and used my identity without my consent. 
They are in violation of 15 USC 1681e ( e ) ( 1 ), they must produce the permissible purpose, they must also certify it and send me disclosures. 
They are in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly says that transactions and experiences are not to be included in a consumer report. 
They are in violation of 15 USC 1681 ( a ) ( 4 ) they have invaded my right to privacy. 
They are in violation of 15 USC 6801 - Protection of nonpublic personal information. They are obligated to respect my privacy and to protect my security and confidentiality of my nonpublic personal information. They have not done that. My information is not a matter of public records. 
They are in violation of 15 USC 6803 ( a ) ( 1 ), ( 2 ) & ( 3 ) - Disclosure of institution privacy policy, I was not given three clear and conspicuous disclosures of their policies and practices. 
They are in violation of 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) & ( C ) - Obligations with respect to disclosures of personal information. I was not given three clear and conspicuous disclosures on the option to opt-out. 
NAVIENT is in violation of 14 violations.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX & XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2016-09-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc. (MA)

My identity was stolen by a person who opened accounts under my name with XXXX and XXXX. The problem now relates to XXXX. XXXX merged with XXXX. XXXX sent an account in my name to a collection company called Diversified Consultants , Inc. a/k/a DCI. I filed a police report with my local police about this identity theft XX/XX/XXXX. I applied for a mortgage and it was reported by XXXX that I owed XXXX {$1900.00}. I never have had any accounts or done any business with XXXX or XXXX. DCI had reported my account as " collection '. The lender tried to resolve this matter. I joined in a conference call and the man calling himself XXXX XXXX at DCI told them : the balance is still owing ''. This conference call was made to XXXX. He lied and insisted throughout the phone call that I had to pay this balance. Additionally, DCI had this account listed as a fraud and continued to try to collect this debt when they had full knowledge that I did not owe them money.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I received a letter from CHASE bank saying that my account will be closed on the XXXX of XXXX for no reason. I talked to the branch manager and he can't give me any solutions and he doesn't have additional information, which is bank private information. I would like them to review this position and keep my account operating, as I never use extra limits, and I always keep good value in the bank. I see no reason to close my account. This will cause a lot of problems as all my family expenses are associated with this account. It would cost me a huge amount of energy to set it up all over again. And I don't think it's reasonable for other banks to question me why I had my account closed if I didn't give any reasons. I ask you to reconsider this position that you have taken.
Consumer complaint received 2016-12-06
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

I had experienced some hardship during the course of my loan with Capital One. I called them up for assistance and they explained that they are able to move the amount past due and move it to the back of the loan, which would extend the date by that number of months. In reviewing my account online, I now have a payment due of 2.7 times my regular monthly payment. I spoke to a representative and she said that I can make a partial payment, but if the full is not paid in 30 days after the due date, it will go on my credit. We have been good customers with the bank for years and this is how they treat their customers? 

Also, on their mobile app, the it is stating that our payment due is {$350.00}, which is different from the website and the automated system. Thus, their company is even telling me different information.
Consumer complaint received 2021-01-09
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: DISCOVER BANK (CA)

i have a discover credit card which i was on time my all payments but because of when i was sick and i ask my mother to look for my bills whenever i am getting by us post mail i never received mails almost 3 months and because of change of address they report late on my report please help me to resolve im trying to buy a house its not letting me go through
Consumer complaint received 2021-01-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: KEYCORP (IL)

I received a prepaid credit card in the mail from the Illinois Department of Employment Security, issued by Key Bank. I have never applied for unemployment and never requested the card. I believe that someone else filed for this card using my name and personal information. I have not activated the card and I have destroyed it.
Consumer complaint received 2016-09-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DEPENDABLE CREDIT CORP (NY)

I secured a loan with Dependable Credit on XXXX/XXXX/15 and began having trouble with the car immediately. I spent over {$2000.00} on repairs in the 1st month of owning the car, but because it had over XXXX miles I was not able to return it due to lemon laws. 

Feeling stuck and with a credit company that is relentless and unbending and unwilling to make any concessions. I worked hard not to damage my credit but they would n't approve a deferment or anything. Always threatening to repossess the Acura MDX, even though I was n't more than a few days late. 

Finally I had enough I went to another dealership and wanted to trade in the car for a smaller car a Nissan Altima just to get away from this company. To add insult to injury the representative from Dependable Credit, was charging me an interest rate that we never agreed to and then provided the new dealership with false info for my pay out. When confronted with the details I advised here to please send the corrected info, she refused advised that she needed to keep my business. I advised her that not up to her and I no longer wanted to do any business with her anymore and to please provide the correct details. This business practice is unfair and must be illegal this company should be investigated. They reported to the dealership that I owe XXXX on the loan which is the original amount of the loan itself. Then sent me an invoice for XXXX - and had a payment from me that made even this amount lower. They wont release me or allow me to pay off this loan.
Consumer complaint received 2021-01-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2020-04-20
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. (AZ)

My wallet was either lost or stolen, and reported. I also notified the 3 major credit reporting agencies of this. And since my identity been compromised I've noticed unauthorized accounts reporting on my credit file. I'm sure neither of the credit reporting agencies supports fraud so therefore I'm demanding that these fraudulent unauthorized accounts be blocked and removed immediately. 

As follow 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX Dept of ED {$1200.00} 4 ) XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Flagstar Bank, N.A. (WA)

RE : XX/XX/XXXX Late Payment I am requesting to please remove the delinquent payment that was applied to my credit score for the month of XX/XX/XXXX. The delinquent payment was due to a bank error and not delinquency. The following is the history and background of what transpired. 

XX/XX/XXXX - I made my XX/XX/XXXX online Flagstar mortgage payment. On that same day, I made {$4500.00} deposit into my bank account to cover the mortgage payment and any miscellaneous first of the month transactions ( bank account should have been credited {$4500.00} instantly ). 

XX/XX/XXXX - Flagstar attempts to pull funds from bank account and is denied due to insufficient funds. 

XX/XX/XXXX - Bank deposits money into account 48 hours late. The bank does not know why this mistake happened as the funds were supposed to be instantly available. 

XX/XX/XXXX - I realize the mistake the bank made in not posting the funds immediately while looking at my bank account online. I promptly correct the issue and make the XXXX payment. 

XX/XX/XXXX - XXXX mortgage payment is made. 

XX/XX/XXXX - Receive credit score alert that my credit score now has a delinquent payment due to our mortgage payment not going through. I quickly called my bank and was furious. They couldnt explain why the check was not automatically deposited into my account as was done several times before. They apologized and promptly refunded the NSF / Overdraft Fees that occurred during that time period ( making my account overdrawn and unable to process the mortgage payment ). They also apologized and said there was nothing they could do about the missed mortgage payment but said to contact Flagstar, explain the situation, and show the refunded NSF/Overdraft fees as validation of the mistake.

My wife and I are both self employed. I am a consultant and my wife owns a restaurant. This is the first time a late payment has hit our credit report. The reason why we had to push our payment till the end of the month was my clients were late paying their invoices and the restaurant is always slow in XXXX. COVID has very much impacted our finances but we pay our bills and have no desire to apply for forbearance. This payment should have gone through without any issues and its incredibly frustrating! We will be switching banks because of this mess, I understand mistakes happen but this could have major implications on my score for years to come if its not corrected. 

We respectfully and humbly ask for you to remove the late payment on our credit report due to the honest attempt to pay on time ( XX/XX/XXXX ), extenuating circumstances/mistake with our bank, and our flawless payment history. 

Thank you for your consideration. 

XXXX XXXX
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint : ( XXXX Bank XXXX XXXX XXXX XXXX Bank account # XXXXhas violated XXXX U.S. Code XXXX - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX Bank XXXX XXXX XXXX XXXX Bank to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of XXXX U.S. Code XXXXsection b. XXXX, Transunion, and XXXX XXXX must remove XXXX information reporting from and relating to ( XXXX Bank XXXX ) including third party debt collection accounts associated with ( XXXX Bank XXXX ) because the account and information has been transferred and sold ILLEGALLY according to XXXX U.S. Code XXXX c-section XXXX.
Consumer complaint received 2017-03-29
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (PA)

Someone cashed fraudulent checks against my account in the total of {$9500.00}, XXXX for {$4700.00} and {$4800.00} ( Money Market Account ). On Friday XXXX, 2017, I received a call from the Michigan PNC bank stating that they believe there was fraud on my account. I terminated the call because they asked me for personal information and I did n't want to give it to them. I visited my bank on the same day PNC XXXX spoke to XXXX and told them I wanted to check my account because I was concerned about fraud. XXXX checked my account and said there was no activity and said there was nothing to be done. Over the weekend I checked my account XXXX, 2017 and saw there was a withdrawal for these checks, for XXXX. Called and went into my branch and the money had been pulled from my account. The bank put notes in their system and told me that someone would call and investigate the account and advised a XXXX would be assigned. They later assigned XXXX. They did not take anything in writing but took everything down and started dispute XXXX 2017. After the bank delayed I decided to put my dispute in writing and submitted an ID Theft Affidavit. They scanned it and said it was n't needed. However, they have never gotten back to me and now it has been almost 30 days and they have delayed getting back to me. I 'm concerned that this has n't been resolved and that the bank did n't close my account on the XXXX when I suspected the fraud. I understand that as a consumer I have a right to have fraudulent funds reversed if I report it in a timely fashion. I did not authorize this.