davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (NY)

Hello, I signed up and thought I canceled my membership with XXXX XXXX until one day I say {$62.00} was taken from them. Seeing that I went through my old statements and saw that theyve taken {$280.00} in total. I went back and forth with XXXX XXXX customer service from XXXX to XXXX ( all through email ) indicating that Ive sent in multiple attempts to cancel my membership as Ive never entered a location. During this time I disputed it with my bank and was giving a temporary credit in case I won the dispute. After about 8 attempts to cancel through paper mail, email and phone calls they terminated my membership after no use. On XX/XX/XXXX my bank emailed me saying I lost the dispute, XXXX was in the right, and theyll be removing the temporary funds I.e paying XXXX. 
I started receiving frequent calls from XXXX XXXX a representative from Aldous & Associated starting XX/XX/XXXX. They would call from a new number every time from different states ( I have voicemails ) .I called back and spoke with XXXX XXXX letting her know the debt was paid and I can send a screenshot showing it came from my account. She told me they only accepted paper mail and I would have to send the proof. XX/XX/XXXX I mailed the letter/proof ( I have a video of the letter ). I called my bank to ensure I sent the right documents and that XXXX was paid they assured me that the debt was settled and that was the only information I needed to provide. XX/XX/XXXX I received another call from XXXX XXXX saying I need to call back because the debt isnt settled when I did she said they received my proof but need to verify with XXXX XXXX I let her know they need to figure that out because the money was taken and the proof was given on my end. Ive still been receiving calls saying I need to let them know if they should move further asking XXXX for proof. Today XX/XX/XXXX I spoke with XXXX XXXX again she got mad after I let her know they have no reason to keep contacting me the debt has been paid. She told me to send the same proof again with an attitude and hung up on me. I called back to speak with a manager they put a fake manager on the line named XXXX XXXX who started to scream at me then hung up. I called back again another man immediately answered calling me the wrong name saying I need to pay XXXX I said oh is that the name you see on the account he clearly was using a fake voice and starting to scream I hung up on them. I have proof of most of this via Screenshots, videos and email. 

Sorry for the lengthiness.
Consumer complaint received 2024-05-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Reliant Capital Solutions, LLC (MI)

Reliant still have this debt on my credit report. Spoke with XXXX from reliant capital solutions XXXX she said debt is being disputed. And did not provide information why I havent received a letter of debt. Just kept talking about a letter I never received. Just told me she has to ask a manager is it ok to email me or mail me a letter of debt that they say I owe. But she did let me know that XXXX stated I never finished registration for classes. So how do I owe this debt when I couldnt register for my classes due to their system being down??? And I went to a different college because I couldnt register for XXXX  classes. Please provide me proof so I can move on with my life Im already suffering from XXXX and this is only causing more emotional distress.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (SC)

In accordance with the FAIR CREDIT REPORTING ACT these creditors have violated my rights under 15 USC 1681 SECTION 602 states I have the rights to privacy 15 USC 1681 SECTION 604 A SECTION 2 It also states that consumer report agency can not furnish an 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 payment plan as late for any purpose.
Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I have carefully reviewed my credit report profile, and I believe that the information reported by your bureau has failed to maintain reasonable procedures to assure the maximum possible accuracy, as mandated by credit reporting laws. The following information requires immediate reinvestigation, as it is entirely inaccurate and incomplete. I respectfully request that you provide proof of the alleged items, including the contract, note, or any other instrument bearing my signature. In the absence of such documentation, I insist that the items be promptly deleted from my credit report to ensure compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. The inaccurate items in question are as follows : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. In accordance with FCRA 15 USC 1681, I expect your bureau to take every necessary step to assure the accuracy and correctness of the information reported in my credit profile. Furthermore, I request that corrected credit profiles be supplied to all creditors who have received a copy within the last 6 months, or the last two years for employment purposes.
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I am writing today in regards to my account with Bank of America account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, XXXX declared a XXXX XXXX XXXX which impacted me greatly during the month of the late. As soon as I was able to, I got my payment made and caught up. As you can see I have made all my previous payments and payments after on time.
Consumer complaint received 2024-04-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (NC)

I initiated a transfer Western Union through their app on XXXX XXXX 2024 of {$800.00} from XXXX to XXXX which amounted to XXXX XXXX. Transaction details and receipt states " Date Available in XXXX Receivers XXXX XXXX ''. I called their customer service number later in the day on XXXX XXXX 2024, and was informed that the money would be available later the same day. The money was not received or available on XXXX XXXX 2024. I called first thing the next day and was told that since the money didn't go through the other day, it would go through on XXXX XXXX 2024. I called back again and was assigned a case number as they were now unsure when the funds would be available and needed XXXX hours to investigate the issue. I called back again and then asked to cancel the transaction since they couldn't provide the funds on the date stated in the transaction and was told that they couldn't give me back the money, but they also couldn't make it available to the recipient.
Consumer complaint received 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

On my previous complaint against XXXX XXXX XXXX complaint number XXXX I stated the unprofessional way that I been treated by XXXX XXXX XXXX and letters that I have sent to them about a debt verification for the account that they are reporting to my credit report. They resolution yo complaint XXXX was the following, STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response XXXX has completed an investigation of all seven social security numbers associated with XXXX XXXX. One is confirmed bankruptcy so we have closed this account and requested a removal from his credit report. Thank you. 

At this point that account still showing in my credit report affecting my financial reputation and been affecting me for years because XXXX XXXX XXXX failed to appropriately investigate the several disputes that I been sending to them and credit bureaus.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION (NC)

In XXXX of XXXX I opened Credit Card with Truist bank and received card ending with XXXX. 
Someone stole my credit card information and made purchases on XX/XX/XXXX. There were multiple transactions charged to my credit account ending XXXX. After i saw notification about first transaction that I didnt make or authorize i called Truist bank notifying of fraudulent activity. I was told that the transaction was submitted to investigation and card blocked, however couple minutes later I received another notification that one more transaction that I didnt authorize were posted to my credit card account ending XXXX. After that I called again Truist bank and they closed credit card for investigation and turned off my visibility to credit card account in Banking app therefore I could not see any activity, statements or make any payments associated with that account. 
XXXX XXXX I received letter from Truist that they dont think that those transactions are fraudulent and I am responsible for it along with any fees. Below are transactions in question. 
XXXX XXXX Account number ending in XXXX Total : {$930.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY {$25.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY {$3.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY {$900.00} I followed up with Truist on why that decision was made and was told that I used Credit card. 
Later I was told that Truist accidentally produced two credit cards for my account. However, I never received second credit card ending XXXX. Truist displayed on statement that Credit card ending XXXX was used to make purchases that I didnt authorize and have no relationship with. However I was receiving notifications that it was credit card ending with XXXX, but on XXXX stetment its displayed under account ending XXXX. Truist also changed my credit card account number from XXXX to XXXX that is associated with fraudulent activity for reason that unknown to me. 
Truist doesnt want to recognize the fact that they : 1. Made two cards for my account and mailed to me only one 2. I notified them of fraudulent activity and asked to block credit card, but they did not so second fraudulent transaction went through 3. They changed me with late fees where I could not access my account and see my balances until XX/XX/XXXX, where I am not liable for fees associated with late payment, as I could not make payment. 
4. Truist failed to recognize that i was in XXXX NC when transactions were made in New York
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (FL)

I am writing to seek clarification and resolution regarding ongoing issues with the processing of payments on my secured credit account, which I opened in XX/XX/XXXX. Despite making timely payments from my XXXX XXXX XXXX XXXX, which is also linked to my credit profile, there have been consistent delays in posting these payments to my Discover account. 

For instance, a payment made on XX/XX/XXXX, was deducted from my XXXX account on XX/XX/XXXX, yet there was a delay in reflecting this payment on my Discover account. It is imperative that the system efficiently processes transactions and releases funds, particularly since there is no evidence of returned payments or losses on your end. 

Furthermore, I have experienced significant customer service challenges during my interactions with your team. As a Fraud Analysis from a XXXX XXXX XXXX else where. I can analyzed every agent that I had interraction with over the phone. Each inquiry regarding my account has led to extensive verification processes and responses that suggest I am perceived as a liability, despite my account being fully secured with an initial deposit of {$1000.00}. This treatment is concerning and does not align with the standards of customer service and respect I expect. 

Please explain why the funds were not posted to my account when the transferring financial institution confirmed that the payment was honored by my other financial institution. 

I am particularly distressed that such interactions not only undermine my character but also imply wrongful intentions on my part, which is unwarranted and unacceptable. I urge you to address these issues promptly, as they may constitute a violation of the Fair Credit Billing Act, which mandates that payments be posted promptly by the creditor.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is fraudulent activity Someone got ahold of my SSN and tried to get credit at several companies - XXXX, XXXX, XXXX, XXXX, and probably more Ive reported to all 3 credit agencies and put fraud alerts on all. 

Please ensure no accounts are opened fraudulently.
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (NM)

On XX/XX/XXXX I applied for a Citibank card with a balance transfer of {$3900.00} to my XXXX account. 
The balance transfer never posted to the XXXX account. On XX/XX/XXXX,  while on vacation, I received an email from Citibank saying my statement was ready with a balance of {$4000.00}. I called Citibank to inquire when the balance transfer would be completed. They informed me that the transfer had cleared the bank on XX/XX/XXXX. After 23 minutes on the phone they said they were placing an investigation ( ref XXXX ) they insisted I needed to call XXXX to have them find the funds as they had posted to someone else 's credit card account. 

I called XXXX and asked for help and was told if I could get them the bank account number the transfer had originated from they could find the funds and correct the issue for me. 
I called Citibank back and had to request a supervisor as the operator couldn't understand the difference between my 16 digit credit card number and the bank account the transfer came from. ( I also never received the Citi card )XX/XX/XXXX I called Citibank back to check up & was told it was my problem to work out as the funds had cleared the bank. It took more than 30 minutes to get a supervisor on the phone who finally understood the funds weren't put in my acct but were credited to a strangers account ; she wouldn't give me the bank account number XXXX had requested to trace the payment but stated she would call me back and I still haven't heard from them. She did tell me the cc number the funds were applied to so I called XXXX back, they can see the pymt but since it isn't my account they need a transfer transmittal report from Citibank. After another 21 minute call they recorded what i needed but told me I have to wait to be called back. 
Citibank 's inability to understand a simple mistake and provide resolution for the customer is resulting in the worst customer service issue I have ever experienced.
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/2018 my bill did not go through account with missed payment. I am kindly requesting XXXX/XXXX to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

The following account XXXX XXXX acct # XXXX was charged off as of XX/XX/2021. Since the the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. This is a direct violation of the consumer Fair Credit Reporting Act. This also falsely manipulates the statue of limitations. This account is approximately 6 years old. Which due to the nature of falsely reporting every month as a late payment or past due this account should be removed from my credit report.
Consumer complaint received 2020-07-04
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: Fidelity National Information Services, Inc. (FNIS) (MN)

The following Reported information listed on my Chex Systems Consumer ID Report : XXXX is fraudulent, unauthorized and not mine : XXXX XXXX XXXX, {$990.00}, 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 XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, the 9 Inquiries Viewed By Others listed on my consumer report is unauthorized and fraudulent, and the 18 Inquiries Viewed Only By You is fraudulent and unauthorized.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

The following account XXXX XXXX acct # XXXX was charged off as of XX/XX/2021. Since the the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. This is a direct violation of the consumer Fair Credit Reporting Act. This also falsely manipulates the statue of limitations. This account is approximately 6 years old. Which due to the nature of falsely reporting every month as a late payment or past due this account should be removed from my credit report.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The following account XXXX XXXX acct # XXXX was charged off as of XX/XX/year>. Since the the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. This is a direct violation of the consumer Fair Credit Reporting Act. This also falsely manipulates the statue of limitations. This account is approximately 6 years old. Which due to the nature of falsely reporting every month as a late payment or past due this account should be removed from my credit report.
Consumer complaint received 2021-11-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

On Friday XX/XX/XXXX, at XXXX I checked my bank account to see my pay from my job and noticed someone took money out of my savings and transferred {$8000.00} from my savings to my checking account. I noticed a windows device had access to my bank account which I only use my Iphone for banking services. I immediately contacted my Chase bank and they locked out my accounts and I needed to go in person to a branch in order to open new accounts and freeze my old accounts. I also changed my passwords for all my accounts and kicked off any devices that were unknown. I now was kicked off my t mobile services and have contacted t mobile also.
Consumer complaint received 2024-03-17
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

Had XXXX title loans with this company ( XXXX ) The first XXXX had no problems paying them back, But the second I think they used a strategy to try to get more money out of me, they might be doing it to more people and they got to be stop. This second loan was at first for {$2600.00} was making my payments with no problem, but later I received a called from one of their operators to offer me an extra {$500.00} making a total of {$3100.00}. I was never explained from them that taking it was going to be under a different terms. I started struggling making my payments, because they increased the monthly payments. Until after making a good amount of payments I called to find out my balance.Spoked to an operator and, Find out that the balance was increasing instead of reducing. From a monthly payment of {$240.00} only {$16.00} where going to the debt. I requested a payment history, which they mailed it to me. I had made XXXX payments of {$240.00} and find out that I had paid the {$3100.00} and a good amount of interest. I tried many time to tell them to rewiew the terms in front of a judge, which they always evaded, I guess because they know is not fair. Find out later that from the {$3100.00} they wanted to get out of me around {$12000.00} in interest. They were harassing me over the phone also stalking me to tried to tow the car. When I find out I called to try to get an address to take them the car and prevent any extra charges, but couldn't get nothing. There were several arguments with their operators about the permission of monitoring the calls I started dinieng the permission to them after they wouldn't let me monitor the call. They would just hang up on me. It has passed many years about this situation and on collections they reported the account closed, I know this through an app that I use to monitor my credit score. But I don't understand why they have been increasing the debt. Up to this date is around {$16000.00}. I have paid more of what they loaned me. Their terms are not fair, they evaded me in many attempts to get in front of a judge to settle it. After many years they have reported the account closed. But they're still increasing the amount. I think just to hurt my credit score