davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

BofA ended my automatic bill payment, unclear why, which has been steadfast since the inception of this account. I always pay in full and I always pay on time! They claim I did it myself. The only way this could have append is they have made there website so confusing that it is impossible for a normal person to navigate safely. I had zero intention of end the payment system. I got no notification of this horrible thing when it happened to boot. BofA is the responsible party. They pushed this on me in the beginning and it malfunctioned. All I want from them to put the $ XXXX back on my account. And help get this ridiculous payment thing set back up again ; since the software took off and deleted it. Its a small ask considering the misery their software and bank people have put me through. 


Bank of America XXXX XXXX XXXX MasterCard Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX
Consumer complaint received 2021-01-16
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 (FL)

I made a purchase on my Capital One Visa card totaling {$1000.00} on XX/XX/2020. 

I first became aware there was a problem with the transaction in XX/XX/2020. On that same day I notified Capital One via telephone and they reversed the charge ( cc statement attached ). 

A month later they rebilled me, and a letter followed after that stating they had investigated but decided to rebill. There was no explanation of what transpired between them and XXXX XXXX XXXX XXXX firm from whom the order was placed. 

I wrote them a letter via Priority Mail with tracking on XX/XX/2020 and sent records, receipts and stated my case. Capital One agreed again that there was an invalid transaction and credited my account a second time for {$1000.00}. The service was not as described as I never received the services I had ordered. The case was poorly handled by the law office and also poorly handled by Capital One. 

Now in XXXX, the charge mysteriously shows up again as a " transaction rebill '' for second time on or about XX/XX/XXXX. 

I am frustrated and have had enough of this disputed transaction which has gone on for 13 months by now. Any assistance you can provide would be greatly appreciated. 

Case details : The payment went to a law office, XXXX XXXX XXXX XXXX, practicing in California. 
The service was for submission of a Trademark application on my behalf, as they are patent attorneys. They gave me a questionnaire to fill out and I was requested to provide brand information along with any company logos for trademark application. 

I was told the application was submitted without incident and I waited for my application to be approved. I received notice from them in XXXX of 2020 ( email attached ) where they showed the response from US Patent and XXXXrademark Office. It became apparent the application was not approved because the law office failed to attach my logos and made a huge error of omission. 

There was no way the application was getting approved as just 2 regular English words without logos to provide uniqueness. Most likely it appears their lawyer or paralegal who submitted the application forgot or failed to attach the logos to my application when it was submitted. Their assertion is that I either never sent the logos or that I gave them permission to submit an application with no logos and this is false. 

I requested refund from them twice via email ( emails attached ). They denied any wrongdoing, claiming I had authorized them to submit without the logos. This is not true, as the logos are essential to my application.
Consumer complaint received 2021-01-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WY)

In XX/XX/2019I discovered a credit card with XXXX XXXX XXXX, XXXX. was on my credit report. I called XXXX XXXX XXXX, XXXX. and discovered this card was opened by a family member using my social and credit to open this card. The family member was an authorized user and was in possession of both cards as there address was used for the account. I never authorized for my Name / social / credit be used to open this account. I reported this to XXXX XXXX XXXX, XXXX. and the account was to be closed and at no fault to me. Now I have LVNV Funding LLC reporting debt of XXXX for such account on my credit report as a collection. I have submitted disputes over this debt reporting the account not belonging to me and have not received any proof of ownership of this debt, not one signed contract, nothing. Now I am receiving a letter in the mail from Resurgent Capital Services L.P. trying to collect this debt that does not belong to me telling me they will get a judgement against me and mail it to me? I did not open this account and handled this with XXXX XXXX XXXX, XXXX.
Consumer complaint received 2021-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (AE)

Dear Citibank and AAdvantage Teams, I hope your day is going well! Thank you for your help in advance! 

I am currently a servicemember XXXX  and XXXX XXXX. I applied for the Citi AAdvantage credit card with the hopes and intentions of using the promotional offer of " XXXX miles after spending XXXX '' to finance a trip back home to visit my family, as it has been a really long time. I have flown with XXXX XXXX before and absolutely appreciated the respect and dignity with which I was treated as a servicemember. 

Well, after applying for the card, it was sent to the wrong address. After waiting over a month and no card ( as military mail is slow ), I contacted a representative. They sent another one, AGAIN to the wrong address. While waiting for the second one, I even contacted an agent and confirmed if it was sent to the right one, and they said it was, but lo and behold, after another few weeks I was told it was sent AGAIN to the wrong one. By the time I received it, the promotion had expired, and I did not even get the chance to use it!! 

I tried applying for an extension, but I received a letter in the mail stating that extensions can not be given ... with no reason as to why! This situation was caused, in the end, by the confusion of many representatives, and of no fault to myself. 

Please consider an extension, or a credit. I thank you for your time and help in advance!
Consumer complaint received 2021-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 47 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! I have false reporting of accounts to my credit report that do not belong to me! Also after further research I found out my information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-11-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (DC)

I enrolled in autopay as soon as I was able to. I received electronic and written confirmation that I was " successfully '' enrolled in autopay. I therefore assumed that autopay was working, as I had no reason to believe otherwise. Then, about a month later, after having no further contact with the lender, I received a phone call that my account was in default. Apparently a disparity between the legal name on my bank account and on the title to my car had caused the bank payment to bounce. The bank account numbers were all correct. Even though the original payment bounced on XX/XX/XXXX, and I enrolled in autpay on XX/XX/XXXX, I never heard a XXXX peep until the account was more than 30 days past due. This is the part that the lender dropped the ball on : sending confirmation of enrollment in autopay through multiple channels of communication, and then never saying that the autopay never even worked to begin with (?! ) until more than 30 days had elapsed after the payment due date. The account is now current, but I'm stll horrified that the lender would mislead me about enrollment in autopay, and worried about my credit. Were it not for a shocking phone call that arrived last week, when the acount was already overdue, my last communication with the lender would have been to confirm successful enrollment in autopay.
Consumer complaint received 2021-01-16
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: World Omni Financial Corp. (FL)

On XX/XX/XXXX, I mailed to the creditor 's lockbox address my check number XXXX in the amount of {$12000.00} to pay off in full my car loan. When two weeks elapsed since my check not being cashed, I telephoned the creditor 's customer service number on XX/XX/XXXX to inquiry why my check had not been cashed. I explained to the person who took care of my telephone call that I was paying off my car loan because it was a condition to the approval of a mortgage credit to buy a new home. 
Since I had a need to show evidence of having paid in full the loan, the person with whom I spoke suggested that I utilized the online payment system to pay off the loan. This person explained to me that I would have to do two payments since the system would accept as the maximum amount {$10000.00}. I mentioned the fact that a check was already on its way to the lockbox address. I was told that I should not worry since in about two weeks time the overpayment would be refunded to me. 
Immediately after I concluded the telephone conversation, I proceeded to effect the online payments. Unlucky for me, that same day my check was processed. 
Given the holidays, I waited until XX/XX/XXXX to see if the refund check would arrive. Since the expected refund did not arrive, on XX/XX/XXXX I made contact again to see what the status of my overpayment refund was. 
The person who took of my telephone call on XX/XX/XXXX was very courteous. She explained to me that only a refund for {$2900.00} had been approved for processing. When I gave her all the information concerning the overpayment, she indicated that she would look into it and would get back to me inform me of the status of my refund. I never got the promised telephone call. 
I again telephoned on XX/XX/XXXX to inquire on my refund. I was told that the refund matter had been referred to accounting and that I would get a telephone call back on XX/XX/XXXX to tell me what the status was of the refund claim. 
On XX/XX/XXXX, I received a check for {$2900.00}. I did not receive the promised telephone call on XX/XX/XXXX. I am still owed {$10000.00} by the creditor.
Consumer complaint received 2024-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transform Credit Inc. (FL)

In XXXX of XXXX, I applied for a loan and I was initially approved for {$5000.00}. Along with that approval, a subsequent offer for the credit builder program was offered. At that time, I agreed to join the program in conjunction with the loan approval. However, I received an email stating that my approval was only conditional and that I needed a co-signor to move forward with the loan. They sent me both the loan documents as well as the credit builder documents. However, the company made it abundantly clear that the documents were for information purposes only and did not constitute an approval until I got the co-signor and that included the credit builder document. I did not sign any document nor did I receive any money from the loan. However, in XX/XX/year> the company attempted to debit my account in an attempt to collect a debt which resulted in my account being overdrawn. This came as a surprise because when I asked the company to produce the documents stating what I owed they failed to respond and simply attempted to take money.
Consumer complaint received 2023-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AL)

I had several recurring transactions made on my account and I was reimbursed some but kept recurring and eventually my account was frozen money still being taking off my account and wells Fargo wouldn't give any of my money back after these where the same transaction that had been previously given back but I lost XXXX $ and my accounts were closed and this was determined fraud.
Consumer complaint received 2021-01-16
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was awarded Unemplyoment bevefirs in XXXX of 2020 bamk of ameruce was to issue me a payment card with my edd bemefits on it. They said 5 to 7 business days i called after the 7th day to inquire about why i hadnt received my card and was informed thaty card had beem activated and had a balance of XXXX when thr starting balance was {$13000.00}. I was transfered to the fraud and the claims depts and tgey semt me a card to my new address or at least thats what they told me. Again i waited 5 days and called back and asked again why i hadnt receibed my card and they told me once agai they semt it to the wrong addres they semt it to the address i had already called and repirted my roomate for stealing my mail and my card. I have complied with every requestAnother card was issued to me and expedited to my new address. But thus time when i recieved it it was NEGATIVE {$11000.00} from BANK OF AMERICA. I CALLED IMMEDIATELY AND WAS TOLD THAT CAEDD FROZE MY ACCOUNT AND WITHDREW MY FUNDS AND CLOSED MY ACCOUNT DUE YO FRAUD AND I HAD TO CALL THEM TO FIGURE OUT WHY. I CWLLEDD AND WAS TOLD TO CALL BANK OF AMERICE BECAUSE THEY DIDNT DO ANYTHING TO MY ACCOUNT AND ARE STILL TO THUS DAY PAYUNG BENEFITS TO ME BUY BANO OF AMERICA IS STEALING THEM TO REPAY THE NEHATIVE BALAMCE THEY LIED AAND FALSIFIED MY TRASNACTION HISTORY AND STATEMENT STATING YHE STATE OF CA EDD TOOK THE XXXX dollars from my account.i have called Bank of america 213 times and have been hung up on transfered and hung up on all 213 times and have gotten litterally no help or response from bank of america . I have lost my house my kids are spread out living with friend s and i am now living in my car depending onthe generosity of friend and strangers to have a meal.while bank of america continues to collect my unemployment benefits fraudelently and gets away with it.
Consumer complaint received 2021-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 

XXXX XXXX XXXX XXXX  ( XXXX ) XXXX Collection XXXX  XXXX XXXX XXXX Collection account. {$7800.00} past due as of XXXX 2020. 
( XXXX ) XXXX Public Record
Consumer complaint received 2021-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX apparently did 2 credit inquiries within 10 days. I purchased a car on the XXXX. The car dealer apparently pulled my credit on the XXXX, then again on the XXXX and again on the XXXX. I already secured financing on the XXXX, there was no reason to pull my credit multiple times after I made the purchase. I did not authorize any credit inquiries on any day, other than the XXXX. Both of these inquiries need to be removed from my Transunion credit report.
Consumer complaint received 2023-01-29
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2021-02-11
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: General Motors Financial Company, Inc. (IL)

Americredit double reported it's inquiry on my XXXX  account on XX/XX/2019. The car dealers do this when you buy a car, so that by the time you actually make the purchase, they have succeeded in significantly lowering your credit score in order to increase the interest rate.
Consumer complaint received 2021-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX double reported a credit inquiry to Transunion on the same day. They have 2 inquiries on my credit report for XX/XX/2019. Of course, they just love running your credit 20 times when you purchase a car, because every time they submit an inquiry, it lowers your credit score, so by the time you make the actual purchase, your score plummets 100 points and oh my, now we have a higher interest rate, right? This needs to be fixed.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

There are inquiries on my Experian and XXXX  that do not belong to me. There are also other content on my XXXX with an account called XXXX XXXX that I have removed 3 times already and they just put it back on my credit file which is unlawful and I'm ready to pursue charges. 
There are other filings I will be reporting in another complaint about all three bureaus, but I submit that when I attach the documentation.
Consumer complaint received 2021-02-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2021 I was in process to buy a new cell phone on XXXX website and chose to finance my purchase by way of monthly payment over 36 months. The site directed me to TD.com for approval. I was asked to call ( XXXX ) XXXX in order to complete the credit application process, which I did. After verifying my information, I was put on hold for a while and then was told that my credit application was denied and I would receive further information by mail. 

I paid for the phone in cash using my credit card. 

I received a standard letter stating denial of credit and asking me to contact TD Bank for further information within next 30 days, which I have done. by email as follows : Quote I am in receipt of your letter dated XX/XX/2021 denying credit for purchase of XXXX phone. I am highly surprised by it and also extremely disappointed at TDs incompetence in handling of this matter. 

In short, I am considered as a high net worth ( can provide the documents for liquid assets of about {$2.00} XXXX ) with excellent credit score over my entire life, never had a single overdue bill in my entire life, NO DEBTS, fully paid up home, no car loans, no consumer loans. I have two credit cards issued over decades ago which have never had outstanding balance and one decades old credit line for overdraft protection which has never been used. I have high income and have been charging between {$7000.00} - {$10000.00} per month on my credit card for decades, which is paid off in full each month. 

I do not see any reason for denial of credit based on my financials and would like a detailed explanation to show that such denial was not based on illegal discriminitory practices under the law. I am also filing a complaint to this effect with Consumer Financial Protection Bureau. 

I look forward to hearing from you. 
XXXX Thank you
Consumer complaint received 2021-02-11
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am filling a complaint about the inaccurate late payment the company reported on XX/XX/2020. The account is CAP1/L & T XXXX This account is listed as late on XX/XX/2020 in my XXXX  , XXXX  , and XXXX  report. I remember that during this month I spoke to XXXX  and XXXX  this is during the start of the pandemic that I was not able to access my money. I work in a hospital as a healthcare worker and was considered an essential worker as mandated by law. I was not going home during that time because of safety reasons. I called the company and let them know about my situation. They said that they will give me a grace period to make a payment on which I think is fair during that time. However, after I made a payment during the grace period they mention today I see a late payment reported in my credit report. 

This is the only late payment ever reported in the lifetime of my account. I thought that after giving you a heads up about my situation the company will able to compromise. I did my part on making payment despite the situation but I think the company has to honor their promise on not reporting this as late. I can not let them report derogatory information in my file. I need the late payment on XX/XX/2020 to be removed from my credit report.
Consumer complaint received 2021-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NY)

I have been consistently disputing and request account validation from this company ever since I saw this account in my report. I already sent a separate request directly to CREDENCE ROOM for account validation, statements, and contract but I never receive anything since then. CREDENCE RM continues to violate my right and reporting this unknown account without investigation or account validation. I am filing this complaint to request deletion of this account that I am not even familiar with the balance they are reporting. This is not mine and this collection company does not have any proof that this belongs to me.