davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On XXXX XXXX, 2022 I received a noticed from my bank that there was a pull from my checking account from PayPal for {$0.00}. On investigation, there was a charge from PayPal from a reoccurring basis from XXXX for 4 separate requests. I deleted all 4 on the PayPal website, but I did not authorize any of these activities as I have ( other than email ) no existing relationship with XXXX. I reported this to PayPal, and requested to immediately close the account and was told that they couldn't do that as they were researching the charge in question and was still waiting to receive payment from my bank account for the charge. I received a reply that they did the research and it was NOT an unauthorized charge and was consistent with my recent activity, but that is impossible as I have never had any activity with that company, and nothing anywhere near that dollar amount.
Consumer complaint received 2020-07-05
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (CO)

This issue is more related to my inability to get a refund on an airline ticket I purchased through my Capital One Mastercard for flights XXXX  ( XXXX XXXX ) cancelled in late XX/XX/2020. Per DOT regulations, XXXX must refund the airline tickets when they cancel a flight. This refund must be processed within seven business days. It has been 50 days since the flights were cancelled. XXXX  will not refund the charges for a flight they cancelled. It is a little under {$1000.00}. I am not getting any traction with the airline. I suspect they are delaying due to cash flow issues as they recently filed for bankruptcy. Debtor 's counsel is XXXX XXXX. I've attempted to resolve this issue with XXXX 's customer service email address, their XXXX page, and contacting their senior leadership, all without success. 

My desire is to get a refund of the purchase price. Tickets purchased in XX/XX/2020. 
Flights were supposed to occur in XX/XX/2020. 

Any assistance you can provide securing a refund from XXXX is appreciated. 
I can provide ticket numbers, my travel agency, the official DOT complaint I submitted, emails I sent to XXXX 's CEO, COO, and CFO.
Consumer complaint received 2019-01-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Ad Astra Recovery Services Inc (CO)

AD ASTRA Recovery Services ( XXXX XXXX XXXX ) This was originally a letter reminder from XXXX XXXX for pmt due within 10 days of date on letter. Pmt was taken from checking account within 2 days causing many overdrafts. We went into XXXX XXXX, XXXX, Colorado and showed letter, explained problem, were told nothing could be done. We reversed pmt through our bank. Later we received collection letter from AD ASTRA demanding {$110.00}. We sent AD ASTRA in KS a debit card number with signature on pmt stub so the issue would be resolved. One month later, we received another collection letter and determined the debit card was not charged, so we obtained a bank money order and paid full balance of {$110.00} by XXXX XXXX  Money Order ; mailed to KS address, XX/XX/2019. We wanted to clear up this matter for good! We received 2 more demand letters XX/XX/2019. We attempted to resolve issue over the phone but AD ASTRA contact address and phone on correspondence lists Colorado office address ; that office now shows as closed on Internet search.
Consumer complaint received 2021-02-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (TX)

I closed on my first home XXXX. My payments were set at approximately XXXXmonth. This was with escrow, interest, taxes etc. In XXXX of XXXX The Money Source sent me a letter informing me there was a surplus in my escrow account and they would be fixing this moving forward lowering my monthly payment amount. Within the past week I received a letter stating my escrow account is under funded by approx {$6800.00}. I called to find out the issue and was informed the money source believed I would only pay XXXX/yr in taxes since that is what was paid on the home for XXXX. The only reason that was the amount paid of the home in XXXX to XXXX County was because the previous owner was a XXXX veteran. This was known and calculated upon closing. We even got a appraisal from the county tax clerk before closing to find out what taxes on the property would be moving forward hence why in closing my mortgage was set at approx XXXX/month. The money source changed the agreement without having ever asked any questions about such a large discrepancy. They now was me to pay {$6800.00} within 60 days to bring my monthly mortgage back to where is was supposed to be originally. They provided other options like making half of the sum and my monthly payment would be XXXX/month. The customer support personnel agree this is a massive oversight on their part but ultimately decided its not their fault and they don't see any other options than the ones they gave in the letter.
Consumer complaint received 2019-01-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (NY)

I have been attempting to reach a resolution of this mortgage for several years. In XX/XX/XXXX, I was approved for a trial modification, which began on XX/XX/XXXX. I made monthly payments pursuant to the trial modification in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as well as XX/XX/XXXX. I was able to make these payments without any financial hardship. I would continue to be able to make these payments if the lender were to allow me to do so. 

In XXXX XXXX, I received a letter from M & T Bank ( the servicer for my loan ) dated XX/XX/XXXX. This letter advised me that my request for mortgage assistance had been removed due to liens or judgments that [ I allegedly ] did not satisfy. After speaking with M & T Bank, I learned that this action was being taken because they had not yet received the quitclaim deed from my ex-wife for the property. The difficulty in getting this to the bank was not due to my own neglect. Nevertheless, after learning of this action being taken, the lawyer who represented me in my divorce was able to expedite the execution of the quitclaim deed, which was promptly sent to M & T Bank. 

By the time the quitclaim deed and divorce decree were sent to M & T Bank, they required me to resubmit a loan modification application. I complied with this request. On XX/XX/XXXX, I learned that I was now being denied for a loan modification. I called M & T to inquire as to why. They explained that they analyzed my application based on my XX/XX/XXXX income. The fact is that in XX/XX/XXXX, I worked fewer hours, and the monthly income is not a fair representation of my usual earnings. M & T Bank was aware of my yearly earnings, yet based their analysis on a limited snapshot that did not properly reflect my earnings, and thus my ability to pay this loan. 

I think it is entirely unfair that M & T Bank offered me a trial loan modification, which I successfully paid without difficulty ; withdrew my request for assistance due to a missing document, which was missing through no fault of my own and which was promptly provided to them ; analyzed my additional request for mortgage assistance based on a time period that was not properly reflective of true earnings ; and then denied my request on the basis of this limited time period.
Consumer complaint received 2021-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (WI)

Citi Bank fraudulent practices I opened Citi Bank account in response to Citi Bank Promotion to open certain account with certain deposit for {$700.00} reward. I met the terms : Citi Bank never paid the reward, withheld improperly {$30.00} fee for " not providing social security number '' per Citi, then refunded {$8.00} out of {$30.00} and sent me a statement that I owe IRS {$11.00} earnings which they never paid to me either. 

I am trying to resolve fraudulent financial operations with with Citi Bank for almost 5 months now with no avail. 
Please help.
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

I opened a card with CapitalOne and began using the card. I go to use it and out of nowhere it is " restricted ''. I called and asked what was going on and I must say the customer service leaves a little to be desired. First representative say there is nothing she can do and I just need to wait for a call. I call again the next day and that representative asks if I have sent the documents yet, to which I ask " What documents? ". She tells me they need XXXX months worth of bank statements ... .ok. I get a link to upload them at and it says " proof of payment ''. I call back advising them this is a brand new account and I have yet to make a payment. She says it is the verify my income. I sent the documents requested and my account is still restricted.
Consumer complaint received 2021-03-24
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: Experian Information Solutions Inc. (NJ)

Experian was notified several times about reporting of Bankruptcy. 

On XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020 I requested them to remove the dismissed Bankruptcy. 

On XX/XX/2020 Experian stated the company that reported the information has certified to Experian that the information is accurate. This company was XXXX XXXX. 

On XX/XX/2020 XXXX XXXX sent me a letter stating they deleted the bankruptcy after reinvestigation. 

On XX/XX/2020 I sent another letter to Experian asking how did you verify this when they sent me a letter stating it was removed two months before XX/XX/2020. I received no response and the bankruptcy remains on my report.
Consumer complaint received 2020-07-05
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Experian Information Solutions Inc. (WI)

For 2 years experian representatives fighting lowering my score Also my checking account hooked up to my XXXX account who also had a contract with experian credit bureau. Money missing from my checking account for 2 years until I filled complaint with experian. This is My first month XXXX checking statement that are checking account reflected are normal spending. For 2 years extra money has been withdrawn and no strange charges to identify where money is going from my checking account. Said checking account with XXXX  XXXX XXXX has been XXXX over are normal spending amount. This began after a fight with experian representative. I want the money stollen from me back for 2 years
Consumer complaint received 2022-07-07
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. (LA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2019-01-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

It is regarding my claim number XXXX I lost my debit card snd PIN was stolen, three were two unauthorized charged on my checking account. I called in BofA and reported the incidents immediately. I also reported to the police. 

BofA denied my claim for unacceptable reasons, and they unfollowed and totally against the Federal Laws, which I have my right under the Fair Credit Billing Act and protected by the Consumer Credit Protection Act of 1968 too.
Consumer complaint received 2022-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (FL)

This debt collection was already deleted and removed off my credit report but some how another company picked this debt up and now reporting it i have had service with at & t the company name thats now reporting this debt is Credence Resource Management address XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX balance XXXX this is not my account i have no knowledge of this account and will like this removed once again and for them to stop reporting this on my credit report
Consumer complaint received 2022-04-27
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX account name XXXX XXXX., has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (KS)

On XX/XX/2019, I received a bill in the mail for my deceased mother from XXXX. My mother died on XX/XX/2019. 

The bill is for {$8.00}. It shows a {$4.00} payment was returned on XX/XX/2019. Her checking account was not closed until XX/XX/2019. 

In addition, I tried to phone them this evening to advice them she is deceased and to close her account. I called around XXXX and spoke to a person named XXXX . When I called her to say I was needing them to close the account because the cardholder was deceased, she claimed she was having phone problems and told me to hold on. Then the call dropped. 

I tried to call back, received their automated system, but when I asked the system to transfer me to customer service, it left me on a dead hold. I finally just hung up and decided to submit the death certificate to your office and to get an explanation why the {$4.00} was returned on XX/XX/2019 according to the statement. As stated before, her banking account was not closed until XX/XX/2019, and at the time of closure, she had over {$1500.00} in the account. On XX/XX/XXXX when the check was returned, she had over {$1700.00} in the account. I know this because I had tried to close out the account earlier to pay for cremation expenses, but I had a difficult time getting them to accept the pending unofficial death certificate. That is a completely separate complaint against XXXX XXXX   that has been filed with your office, the attorney general of Missouri, the Missouri department of Finance, and the Federal Reserve Bank. 

I need written verification that the account has been closed. And I need the CFPB to figure out why they put down a returned check for {$4.00} well before her account was even closed out.
Consumer complaint received 2022-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/XXXX - XXXX XXXX XXXX, XX/XX/XXXX - XXXX XXXX XXXX XXXX, XX/XX/XXXX - ( Original Creditor : ) added a derogatory mark on my credit report per XXXX, TransUnion, and XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2021-06-19
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: National Credit Systems,Inc. (MD)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my family. I don't have a home, a car, no credit because of this problem. Please I ask that these fraudulent reports be removed.
Consumer complaint received 2021-03-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo Merchant Services is charging my business for fraud. Hackers were able to use my website to " Fish '' credit cards. None of my customers were compromised and no money was taken from myself or the bank. All of the transactions were declined by XXXX. But, Wells Fargo Merchant Services charged my account a " per '' transaction fee and Interchange Charge fees for each of the transactions that were declined - over 50 pages and XXXX tries by the hackers. This happened on XXXX XXXX and I called to let them know and they called XXXX to be sure I had all of their Smart Authorization checks in place and XXXX said YES. I thought it was all taken care of until I received my statement from Wells Fargo Merchant Services on XX/XX/XXXX and they charged me {$52000.00} for XXXX Auth Fees. They said there was nothing they could do about it because they did not have Fraud insurance and and it is the customers responsibility to keep their accounts safe. I have never had any fraud on my account in the 14 years I have owned my business. They have decided to refund me 80 % since they said " I am a good customer. '' Today is XX/XX/XXXX and I still have not received back the money or heard from them.
Consumer complaint received 2022-07-02
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. (FL)

in accordance with the Fair Credit Reporting Act XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions!