davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

I recently applied for a re-finance loan. Equifax credit report indicated an adverse judgement placed against me by XXXX. I was told ( via phone ) today by Equifax that they completed their investigation and that they would NOT remove this adverse action from my credit record. The Equifax agent told me that during their investigation, XXXX told them I was the responsible party. I contacted XXXX and gave them my Social Security number and they agreed that I AM NOT THE RESPONSIBLE PARTY and that the social security number on the delinquent account is different from mine. However, XXXX ALSO REFUSES to remove the adverse action and said that Equifax is responsible for removing it, as the social security number is not mine. It appears that a family member who has a similar name might be responsible for this, but I AM THE ONE BEING PUNISHED.
Consumer complaint received 2016-10-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: URS Holding, LLC (FL)

XXXX, CHARGE MY ACCOUNT OFF BY CLOSING IT. CLOSED IN 60 DAYS LATE XXXX 2016, SEE CREDIT REPORT, SENT TO XXXX XXXX FOR PAYMENT. THEY SAW THE MISTAKE AND SENT IT BACK, XXXX SENT IT BACK TO THEM BECAUSE THEY WAS PAID. I TALKED TO THE XXXX XXXX SUPERVISOR, HE CLOSED MY ACCOUNT AND SENT IT BACK. BOTH AGENCIES REFUSED MY LAST PAYMENT AGREEMENT TO BECOME CURRENT XXXX, XXXX, XXXX, I WAS CURRENT PAID EVERY MONTH FROM XXXX TO XXXX XXXX WHEN THEY REFUSED MY PAYMENTS. NOW I WROTE TO XXXX TO RESOLVE MY ISSUES. BY FRAC LAW. THEY REFUSED TO RESPOND THEY NOW OWE ME AND MY DEBT IS TO BE O ACCORDING TO THE LAW WITH COMPENSATION DAMAGES TO BE PAID. PLEASE HELP, I WILL WAIT YOUR RESPONSE, I HAD AN AGREEMENT TO PAY WHAT WAS PAID, THE MINIMUM FOR 3 YEARS XXXX, IF I HAD A SHORT PAYMENT, WHY DID THEY TAKE MY MINIMUM PAYMENT AS WE AGREED EVERY MONTH. SAID NOTHING AND CLOSED MY ACCOUNT IN 60 DAYS LATE VIOLATING ALL KINDS OF LAWS. PLEASE HELP THANK YOU FOR YOUR TIME. they say i owe it, it was paid i think because i was told XXXX had to pay them for the debit! or XXXX had to pay them for XXXX. which make them guilty and i owe them nothing.
Consumer complaint received 2016-10-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

XXXX Ocwen confiscated our XXXX Insurance check paid to us for damages incurred on our property. As homeowners, our mortgage is with XXXX which includes escrow account. XXXX XXXX made all checks payable us and XXXX, that make payments through our escrow account. When we initially send checks to Ocwen to endorse, they send it back insisting the new policy and IRS requirements is for all homeowners to endorse insurance check to the company to deposit into homeowners mortgage accounts for tax purposes. Unknowingly, we affixed our signatures and mailed the checks to them. After inquiring about the information given by Ocwen was not the facts, but them pulling mortgage fraud. We proceeded to inquired about everything. They proceeded to give us the run for XXXX and half month. The contractor pulled from our repairs due to nonpayment because Ocwen. We called Ocwen several times just be given the run around. Last when I called treating to report their action to law and newspapers about our lost, we received a call from them Ocwen, stating they mail checks to us yesterday with USPS, giving tracking number. Today I called Ocwen account information to check on our account, the automated system, acknowledged payments from us for total amount of our insurance claimed checks and also Informed us when our next monthly payments is due. This has prompted us to bring this matter to your attention. We are kindly requesting a complete investigation on our behalf in this important matters. XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Ga
Consumer complaint received 2016-10-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION (TX)

I deposited a check into my BBVACompass account on XXXX/XXXX/16 in order to ensure that there were enough funds in the account to cover all outstanding charges. the check was in the amount of {$20.00} and was processed and paid by XXXX XXXX XXXX bank on the same day. BBVACompass put a 3 day hold on the check even though it had already been paid by XXXX. The end result was that BBVACompass charged an NSF fee of {$38.00} when in actually there should have been sufficient funds in the account.
Consumer complaint received 2016-10-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (FL)

Received a recorded telephone call from Transworld Systems Inc. saying this was an attempt to collect a debt and to call XXXX XXXX at XXXX. The US Government is paying for credit monitoring for me for the next three years because their computers were hacked last year. I get updates and free credit reports. I do not owe anyone any money and I have an excellent credit score. I am not calling these people back because I looked them up and found that they are a scam. If they want to send me information on this supposed debt then they should do that otherwise I want them to stop calling me. I want this on record with the CFPB in case they try to report me to a credit agency fraudulently. Thank you.
Consumer complaint received 2016-11-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I contacted Bank of America about how their mobile app does not reflect the current balance. They charged me an overdraft fee for my account when it was not overdrawn. I went through the balance with the representative and she saw the error and still would not refund the fee due to I have already been issued a refund in the past. I advised her that it was due to the same issues. They continuously charge overdraft fees but the account balance online does not reflect the balance within their system. As I was reviewing the charges with the representative she was giving a different balance that what was reflect online. Then I asked the representative how long do you have to pay the account up before the fee hits the account she stated XXXX eastern time. I advised her that I did not receive an alert until XXXX on XXXX/XXXX/16 and the few was already processed to my account so how am I supposed to review the account and make it current if the fee has already been applied. There is only XXXX Bank of American and the ATM does not accept cash deposits all the time.
Consumer complaint received 2016-10-14
Product: Credit card — 
Issue: Balance transfer — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I applied for a credit card with Fifth Third Bank which included a balance transfer of {$8500.00}. I was approved with a {$700.00} credit limit. I was not ok with the credit limit I was approved for as it was too small and completely out of line with my credit score of XXXX. I called and cancelled the card on XXXX/XXXX/16. On XXXX/XXXX/16 they pushed the credit limit up and processed a partial balance transfer of {$7600.00}. They did this after I had already cancelled the transfer.
Consumer complaint received 2016-10-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

in XXXX XXXX I contacted 5th third to request information on my vehicle title which I never received. They informed me it was shipped in XXXX and returned, they advised they would resend it and I would receive it 3-10 business days. On XXXX/XXXX/XXXX I called again due to the fact no title has been received and they could not give me information. An hour later and transferred numerous times until we were told they do not have notes or show where we did the request as that is not something they take when a customer calls ... .are you kidding me? This is a banking institution, they should notate everything. We asked to be sent to a supervisor. After another 20 minute hold we were transferred to a supervisor by the name of XXXX. XXXX, is now stating they do not have any record of calls as they do not take notes in the Customer service department. they state they can not expedite the request unless it is the banks error ... THIS IS THE BANKS Error. I am now on hold again and it has been longer than an hour and I am furious. Per XXXX the supervisor they can not transfer us to the collateral department as they only get emails. I am in shock that this is how you all treat your customers and that a banking institution does not take notes. XXXX is suppose to call us in 24-48 hours with an update as to where our title is. 
Employee ID # XXXX, Phone # XXXX. I need my title, the car has been totaled almost killing my son and I am unable to get resolution on accident and recovery due to 5th thirds lack of customer service. Can you please contact us immediately on this, we need resolution. XXXX and XXXX XXXX
Consumer complaint received 2016-10-14
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (MO)

I received mail at my new place of work, where I am a single sub-contract agent who does not get paid until the closing of a transaction. I called CBS and was transferred to XXXX XXXX. I tried to set up payment plans of {$25.00} which was my original agreement with XXXX XXXX prior to collection. I am a family of XXXX with {$XXXX} annual income. I tried to explain this to XXXX when she would not let me make a payment of {$25.00}. She was extremely rude to me and caused me a lot of distress with the things she was threatening me with. She told me that they had verified my new employment, " which means I have income and I have to pay at least {$300.00} a month or the balance in full otherwise they would sue me and come after me. And I would n't want to be responsible to more money after legal fees are involved, would I? '' That is rough verbatim of what XXXX said to me over my {$3600.00} balance with CBS. At one point she had me in tears when I tried to explain to her I did not want them contacting my new employer about my collections and trying to get me in trouble with my new job where I am trying to make money. I am a XXXX with no income coming in currently. I am only a few months in the business. She was very hateful and continued to threaten me with court and legal fees if I could not pay more than {$300.00} a month. Anytime I tried to explain that my annual income had not changed from the {$XXXX}, she would keep telling me they 've verified my employment. However, that does not mean my income has increased. 

I am trying to make my $ XXXX monthly payments the best I can. XXXX has me very afraid of being sued when I am trying my best to pay what I can. I am trying to be the best I can and I will continue to make my $ XXXX monthly payments if she would let me. 

It is not fair that I am not allowed by her to make a payment bc she does not feel it is enough money. Nor should I have to keep calling in hopes of getting someone different at CBS that may let me make my payment. I have asked to have a new case rep and they will not allow that either, even after I explain all of the distress XXXX XXXX has caused me.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion had a glitch in their system that cause that reinserted previously delete information. They violated my rights unders section 6.11. I was never notified. As a result my credit score is suffering. i have contacted them twice but they have not taken any actions to correct. i am requesting all All inquiries be removed.
Consumer complaint received 2016-11-08
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been a victim of Identity Theft since XXXX XXXX, XXXX. I submitted complaints against other credit card companies to warn them about my situation. On XXXX XXXX, XXXX, I submitted a complaint against Capital One in regards to XXXX. I told Capital One that NO one named XXXX living at the XXXX XXXX, XXXX XXXX, CA. I would like Capital One to remove XXXX from the mailing list and STOP sending XXXX mail at this home address. Today XXXX XXXX, XXXX, Capital One is still sending me mail at my home address after I told Capital One to STOP harassing me. Capital One refused to remove XXXX XXXX from the mailing list. Capital One is still harassing me and continues to send me unwanted solicitation mail in my mailbox. I want NOTHING from Capital One. All I want is to STOP the harassment. PLEASE remove XXXX name from the mailing list now and immediately at this address. PLEASE STOP sending me mail in my mailbox. I will consult with my lawyer to seek a possible lawsuit against Capital One for repeated and unwanted blatant harassment after I warned Capital One that I do NOT like to be harassed. Capital One refused to follow my simple instructions and continues to harass me by sending me unwanted solicitation mail in my mailbox. PLEASE STOP sending me unwanted mail now. PLEASE remove XXXX name from the mailing list.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Credit Karma (NH)

this case number was told by your office to me on the phone to go thru FTC. I did that but called FTC today and they told me this should be handled by your office. My complaint number with your office is XXXX and the complaint # with FTC is XXXX. This was a complaint to say : CREDITKARMA that reports what they say they get from the XXXX credit reporting agencies of XXXX and XXXX is NOT correct. XXXX DOES NOT have one of the collections that is showing in CREDITKARMA which brings my report number down with them. What I see is an error reporting from Credit Karma. I contacted them and told me they get their information from XXXX. I called XXXX and they do not show this collection on my report. So XXXX will NOT do anything because it is not on my report and Credit Karma will not remove it unless XXXX tells them to do so. THIS IS RIDICULOUS. I want this off my credit report with CREDITKARMA which is on my collection section of the report with XXXX XXXX XXXX. This does n't even show an amount because it is an account that was filed in BANKRUPTCY. This should say closed or not even show in my collections as they have it on my credit report for XXXX on Credit Karma. This was discharged and these people never showed to the creditors meeting if they wanted their funds. This is no longer my responsibility and should be removed. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2012 Open I should NOT be the one to be running around to get my report corrected with XXXX and Credit Karma because neither one is doing anything. This is XXXX and has been going since way before XX/XX/XXXX and I am not having XXXX because of this frustation. Please have someone correct this immediately. Thanks.
Consumer complaint received 2016-10-14
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Paypal Holdings, Inc (PA)

I opened a PayPal credit account last year because I need money quickly and this was the only account that I was able to open at the time. I recently have not able to make my minimum and tried to make an arrangement or close my account or have it sent to collections to protect myself from getting too far in debt, I currently owe XXXX I would rather that go into collection Then be in debt for XXXX dollars and there customer service representative basically told me that they will continue to charge late fees and interest until they see fit to send me to collections. This is taking advantage of me and putting much farther in debt than is necessary and damming my credit much more than necessary and there is no way for me to close the account. The customer service representative from their debt department told me that there was nothing they could do on their end and no alternative options. I 'm at my end with this I have never had this problem from any of my other creditors and I do n't know what to do.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I have a Public Record entry on my credit profile that I feel is inaccurate in its filing. It is my understanding that the term " Dismissed '' means that it is adjudicated by the law, so why am I penalized for something that was never completed. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization. They claim that the information has been VERIFIED as being accurate, but VERIFIED by whom? I have a RIGHT BY LAW to the information. The Credit Bureau system is holding my identity and credit under " Consumer Lock '' for 10 years. This discrepancy has prevented me in my personal life 's pursuit. I am submitting this complaint to request that the CFPB advocate for me in this challenge.
Consumer complaint received 2016-10-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

I have sent a letter to Wells Fargo accusing them of theft ( stolen money later returned ). This is a criminal accusation. The following is the letter : XXXX XXXX, CEO XXXX XXXX, CFO Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX In regards to criminal theft by Wells Fargo Bank and age bias. 

I have been dealing with your bank for many years. Besides checking accounts, I have credit card accounts, a {$27000.00} line of credit, a mortgage ( my home ), and possibly other accounts which I either can not remember or do n't know about. 

When I opened a checking account in your bank, I was convinced to open other accounts ( such as savings ) which would create " greater convenience for me. '' I asked if there would be any fees involved with these additional accounts. I was told there would never be any fees. It was a lie. Some months later, one of the accounts was billed a {$30.00} " annual fee. '' I feel this was done to me because of my age ( XXXX years ), figuring I was too senile to notice. I complained. The fee was reversed and that account was closed. 

XX/XX/2015 your bank managed to STEAL {$7500.00} ( plus fees ) from me. 
I had a balance in my checking account of about {$5000.00}. I deposited a check in the amount of {$7500.00} which bounced. The bank never added {$7500.00} to my account, but instead STOLE {$7500.00} of MY money giving me a negative balance. The bank caused my credit card to advance this balance to the checking account to XXXX out the account. A cash advance fee was charged as well as a bounced check fee as well as interest. 
I believe the bank felt that since I am old ( XXXX years ), I probably would never discover that I was a victim of THEFT and let the bank keep the money. I went to the bank enraged. I controlled myself and confronted them with what the bank had done. The individual I spoke to said that what happened was appropriate, it " was a promise. '' He essentially accused me of trying to defraud the bank, but it was actually an outright THEFT of {$7500.00} of MY money from me by the bank. I had a difficult time trying to control my anger. When I finally convinced the bank person that I was right, the THEFT ( withdrawal-promise ) by the bank was repaid, my credit card was repaid and the fees were reversed. Later, I deposited a replacement {$7500.00} check in the account -- which did not bounce. I made sure they added it to my account balance. 

I believe I have a right to file a CRIMINAL accusation of theft against the bank in addition to criminal age bias. 

I am being treated for XXXX. When I think about what the bank did, I become enraged, and needless to say my XXXX. 

Would the bank care to compensate me for the turmoil caused me? I have not sought legal advice -- yet. I feel sure this is a criminal matter, and from what I read in the newspaper and seen on the news, it is one of many criminal matters. 


Yours truly : XXXX XXXX, XXXX XXXX XXXX XXXX. 
XXXX, Ca. XXXX XXXX XXXX
Consumer complaint received 2016-11-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion is improperly and fraudulently verifying information with for an account that does not belong to me. It was opened in 2009 with XXXX XXXX and I have never even involved with the company. I contacted them and sent them my police report and identity theft report filed with the FTC. And they have closed that account and I can not understand why Transunion is still reporting it. I have included a copy of the letter. I will file another complaint with the FTC with Transunion and seek other legal measures if this is not removed from my account.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: COMMERCE BANK (MO)

I have been a customer of Commerce Bank since at least XXXX of XXXX  My account was set up so that if the funds were not available, a transaction would be declined. This was done intentionally as I do not make much money and can not afford overdraft fees. I have never had any major issues with my account until this past week. 

Previously, regardless of transaction type, whether it be a pos sale or a monthly subscription, if the money was not available, the transaction was declined. Last week however, several subscriptions for streaming services posted to my account for which there was not funds available and overdraft fees ( XXXX overdrafts at {$36.00} each ) incurred. 

I called customer service and the woman I spoke with explained that the streaming subscriptions are recurring payments and are not declined because they are recurring payments. I explained to her that in the past they were in fact declined. When I asked when and why the change she told me that it has always been that way I insisted that no, my account has never been set up that way, that previously those transactions were declined. In an effort to resolve the matter she stated she could get me a credit of two out five overdrafts. The two credits posted to my account the next day. However the following day there were two more overdrafts posted to my account, effectively canceling out the credits. When I called customer service again, I was then informed that I had had 48 hours to bring my account to zero or a positive balance or the overdrafts would be reapplied to my account. I told the man I was speaking to that I had not been informed of this. His response was that that is how it works. 

I dont know when this change occurred, I was not given adequate information, and I feel that {$36.00} overdrafts are far too exorbitant. I now have 7 {$36.00} overdrafts charged to my account and two {$36.00} credits which are useless. My account is currently - {$230.00}, which is roughly half of my paycheck.