davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PRESTIGE FINANCIAL SERVICES INC (OH)

On XX/XX/XXXX, I contacted Prestige Financial regarding my auto loan being very high at almost 20 %. I spoke with XXXX and asked about reducing my rate. XXXX told me I could make 3 on time payments or add auto pay to my account. She informed me the rate was reduced to 19.74 %. XXXX is very unprofessional, condescending and calls on the day the payment is due. There's absolutely no grace period. 

I was 30 days late with my car note once, back in XX/XX/XXXX. I feel this rate is predatory lending for veterans who've had financial hardships. I recently discovered through XXXX my vehicle has structural damage and it's worthless!!! The vehicle 's history was never disclosed to me at the time of purchase. I purchased my car for $ XXXX, by the end of my loan, I will have paid over $ 26K. 

I purchased my vehicle in XX/XX/XXXX, after filing bankruptcy. My bankruptcy attorney referred me to an auto program called 722 Redemption. They " offered Chapter XXXX debtors alternative to costly vehicle reaffirmations ''. Through the 722 Redemption program, I bought my car from the XXXX XXXX dealership in XXXX Ohio. 

Now I'm stuck with a worthless vehicle, an outrageous interest rate and $ XXXX in negative equity. Please help. 

Thank you, XXXX XXXX
Consumer complaint received 2018-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (GA)

On XX/XX/XXXX debit card refused for food to go. On XX/XX/XXXX Account balance shud have been over {$700.00}. Contacted Suntrust and was made aware of many check card purchases leading to overdrawn balance. Submitted fraud claim XX/XX/XXXX. Much contact and submitting of claim forms, police report etc has followed. All result in letters stating SunTrust denies the claim. I have notified them of the fraud the same day I became aware of it. The first denial letter is dated XX/XX/XXXX. The charges and loss of all funds are due to criminal identity theft and this account is one of many challenges I face as a result of the criminal who has victimized me.
Consumer complaint received 2018-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (LA)

Regions bank in XXXX, Louisiana. Withdrew {$40.00} from atm. ATM gave me {$40.00}. When I looked at bank app on phone it said I withdrew {$400.00}. Called bank and they said they acknowledged error and if was not corrected within a couple of days then I should call back. A couple of days later I called and bank told me I was being charged {$400.00} because I withdrew {$400.00}. They said that i was wrong and that there was nothing they could do for me. Because of all this my account was overdrawn and I have been charged an additional {$35.00} for overdraft fee. Have called several times trying to explain that the first time I called they said they saw error and were going to fix it. They have told me they admitted no such thing and that I am making this up. They still want their overdraft and overdraft fee paid. Refuse to pay even more because of their error. Account is now closed will never use regions bank again.
Consumer complaint received 2018-02-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (NC)

our landlord ( XXXX XXXX ) ended our lease XX/XX/2016 with notice To vacate by the end of the month. XXXX lease owed XXXX minus security deposit XXXX will waiting for the final bill they fill a eviction process for non payment of bill, this time, at the court even though we vacated as demanded earlier. the case was dismissed and received a final bill of {$900.00}. this amount was over estimated by more than {$220.00} court fee ( the maximum by law is 10 % of monthly rent ) {$150.00} wich was the promotion given to us for the first month of rent. we are two cosigner of the lease and tried over 1 year to correct the and pay. but the refuse to listen, knowing that it will cost us more than the amount they claimed to fill a law suit.
Consumer complaint received 2018-02-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC (PA)

We received a letter in the mail stating that we owe {$290.00} on our XXXX XXXX bill. The letter was addressed to " current resident '' and had what seemed to be an intentionally vague invoice page that included 11 transactions for service date XX/XX/2014. No other information provided. We confirmed with XXXX XXXX that our account is up to date with no existing balance. This process seems like a scam that preys on people 's fear of collection agencies.
Consumer complaint received 2018-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MD)

I have on my credit report on all 3 CFA 's a collection amount of {$7600.00} from XXXX XXXX. They claim they are collecting from a debt they purchased from XXXX XXXX, the debt from what I understand originated XX/XX/XXXX with XXXX and Midland took it over XX/XX/XXXX. I have never had business with XXXX and they do not show on any of my credit reports from the 3 CFA 's. I have disputed this claim since XX/XX/XXXX. My dispute was based on one : I have never had business with XXXX and secondly from doing some digging it appears this account was opened in XXXX XXXX at an address of XXXX XXXX XXXX XXXX. XXXX XXXX which I have also disputed with the 3 CFA 's because I have been living at my current address in Maryland since XX/XX/XXXX. It appears Midland continues to ignore my disputes and I have never received any documentation with signatures or anything regarding this debt.
Consumer complaint received 2018-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I am unable to access the ATM machines inside the branch after hours. The card reader to allow entry into the branch has been broken on 2 separate occasions. This happened at the Bank of America located at XXXX XXXX XXXX XXXX XXXX, IL XXXX United States
Consumer complaint received 2018-01-11
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Management Recovery Corp. (NMRC) (CA)

I received a call on XX/XX/2017 from XXXX XXXX County from XXXX stating there was some type of warrant against me and for me to call the number XXXX. I called the number and spoke to XXXX XXXX. She claim she was with the district attorneys and asked if I had received notification or served with some papers, I told her no and then asked what it was in regarding, and she said it was from XXXX XXXX XXXX   and that I owed the amount about {$4000.00} when I only took a loan for {$2500.00}. XXXX XXXX asks why I have not made payment on the loan. I told her the amounts were too much for me to pay. She asked me to pay {$420.00} so, they would not proceed to take action against me, she had all of my information as my address and email address, and she repeated to me to verify including my social security number. I put {$420.00} in my XXXX XXXX Debit card, she was able to take the amount the next day, and then she said the remaining balance for the XX/XX/XXXX is {$3000.00} and some dollars. She then said she was going to send me an email ; XXXX XXXX never did. When I asked her about the receipt, she stated that they do not send out receipts and I can check on my bank electronic payments. I made a payment arrangement so, she can take {$500.00}, and she said she can take {$600.00} and some for the next three months and I hung up with her. This did not seem right. I realize afterwards, ( from the FTC board ), collection agencies are not to threaten consumers with lawsuits or imprisonment. The part that really made me think about what happened, when someone from XXXX XXXX County calling me that I have a warrant. I filed a complaint with XXXX regarding XXXX XXXX XXXX and XXXX denied my claim. I had talked to consumer affairs and told I would have to take them to small claims. I request from XXXX, the denial letter, and it looks, as though a third party Called XXXX XXXX was the one who collected the money from my debit XXXX. They tried to contact me because I refused to put more money on my debit card but manage to take {$370.00} from my debit card. The person who called ( XXXX XXXX or someone ) left a message it seems you are trying to deceive us by not making your payment. Which I am not sure if I had erased the message or what. Collection agencies should not threaten consumers and use County
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :
Consumer complaint received 2018-02-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX  continues to include inaccurate information on my credit report. In 2017 I filed a complaint regarding the reporting of a tax lien from the XXXX XXXX register of deeds. I asked them to verify the validity of this tax lien. XXXX has complied and removed the erroneous information from my credit report. XXXX  refuses to do so. I am requesting that the tax lien from the XXXX XXXX register of deeds be removed immediately.
Consumer complaint received 2018-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America has been deducting funds from my account well before checks are actually cashed. 

When customers use the Bank of America 'bill pay '  service, the bank 's 'standard ' practice is to deduct the amount of the check from the customer 's account on the day the bank says the check has been delivered instead of when the check is actually cashed. Customers frequently have no way of knowing if the check was actually cashed at that time or much later. 

I sent 2 checks for {$3000.00} through 'bill pay ' ; both checks were deducted from my account on XX/XX/XXXX. The bank did not provide me with images of either 'cashed ' check. In fact, one check was received well after XX/XX/XXXX and cashed on or about the XXXX. The other was never received and I had to cancel payment. Meanwhile, the funds were held, and I'm assuming used, by the bank. In my youth, this was called kiting. 

As a XXXX, I can imagine the interest the bank must collect on the funds resulting from this 'standard practice ' when calculated on a national basis. 

What can be done about this? 

Thank you.
Consumer complaint received 2018-01-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I booked a flight to XXXX, XXXX, ( Ref # XXXXXX/XX/XXXX XX/XX/XXXX credit card statement ) with a travel agency I found online, XXXX AirTKT. I called the agent and I thought I booked a ticket and I gave them my credit card information and was charged {$1300.00}. He gave me a travel agency confirmation number but not a final confirmation for the airline. He promised to email this information to me immediately but I never received it. I called the travel agency several times on a toll free number they were able to see my number and was placed on hold for up to 15 minutes at a time, but each time the call was disconnected. On XX/XX/XXXX the third time of sitting on hold I decided to call Bank of American Credit Card division to cancel this charge. I then booked a flight with XXXX XXXX, Ref # XXXX. 
Several days after the charges were reversed, I begin to receive a flurry of unfamiliar phone calls from an XXXX area code. I dialed the number back and it was the travel agency and I explained to the travel agent that I had not received the information as promised and I had cancelled the flight reservation. I saved the voice mail from the travel agent saying that it was not a problem and that he would cancel the reservation if you care to hear it. 
I would not have booked a more expensive flight days later with XXXX XXXX had I received the flight information as promised or if someone had taken my phone calls, nor was I able to leave a voice mail.. I saved the voice mail from the XXXX XXXX agreeing that a refund was not a problem and that he would cancel the flight. I have recently researched this XXXX XXXX and have found out that this Company is not registered to do business in the XXXX of California. I have called XXXX XXXX six ( 6 ) times and now told me that too much time has passed after the refund was approved and refunded back to my Account. XXXX XXXX mailed a letter asking for my explanation of what happened but the letter was ( 2 ) two weeks old when I received it. Once I received the letter I responded in ( 2 ) two days and followed up with a phone call to get an Email Address or Fax number to send my response and I was told that the only way to return it was by mail. 
In conclusion, I would like to know how a major Corporation, Master Card and a XXXX XXXX is able to conduct business in California without being Registered to do business in the State of California or the united States, nor has a Registered Agent in California or the United States. I have no remedy to resolve this matter as I have called XXXX XXXX at least six ( 6 ) times. I would also like to know what my options are to remedy this matter.
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NY)

I received this XXXX XXXX XXXX of debt in 2015 to claim on my taxes. I got it after I filed my taxes. I ended up ammending them and claiming them on my taxes. I had to pay taxes on them so I have contacted Discover multiple times by phone and disputing on my credit report. They always come back with the information is accurate and will keep showing it on my credit report the way it is. I went and got credit counseling and they said what Discover is doing is illegal. They are showing a revolving balance and they charged it off and I claimed it as income. This has been an ongoing process for two years. I want it to show properly and not show a balance. This needs to be taken care of I will submit my proof along with this.
Consumer complaint received 2018-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AL)

I order a key for specific trunk and paid a total of XXXX to moneygram to pay for key at individual request on XX/XX/. Once I found out he wasn't shipping key I immediately requested a refund on my credit card through moneygram.onXXXX. I have heard nothing from moneygram on my refund. The person does this quite frequently. 
Name/s used ; XXXX XXXX or XXXX XXXX and XXXX XXXX. 
.
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP (IN)

I am currently trying to refinance my home but my payments are not being reported/recorded with the credit bureau's..My credit was pulled just recently twice and both told me there is no record of US Bank reporting my payments to the credit bureau 's.
Consumer complaint received 2017-10-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I received from Rash Curtis & Associates account # XXXX dated XX/XX/XXXX Re XXXX XXXX XXXX XXXX XXXX stating that I owe XXXX XXXX Hospital {$1200.00} Please note that did not receive Medical Care from XXXX XXXX XXXX XXXX. The debt is not mine and is possible identity theft. Attached are documents showing that I owe XXXX XXXX Hospital for Medical charges from XX/XX/XXXX not XX/XX/XXXX am currently on a payment plan of {$50.00} per month the account # XXXX Furthermore, attached are document showing that I received Medical Care Urgent on XX/XX/XXXX from Urgent Care in XXXX, CA totaling {$68.00} was paid in full at the time services were rendered my visa Debit Card. Please note that these charges are false in my opinion identity theft. Also, note that I am on Worker Compensation for the XXXX XXXX XXXX XXXX with XXXX XXXX claim adjuster names are XXXX XXXX XXXXXXXX XXXX ex XXXX & claim adjuster XXXX XXXX ( XXXX ) XXXX Claims # XXXX state claim # XXXX & XXXX ( please note that this injury was not registered with the state of ca because this workplace was injury was caused by a co-worker at in the Direct Sales Department named XXXX XXXX ). Also, note that XXXX XXXX attorney named XXXX XXXX XXXX of the Law Firm XXXX, XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (WA)

I sent a wire transfer of {$100000.00} to Coinbase onXX/XX/2017 to invest in bitcoin. Coinbase 's website claims that deposit of wire transfer will automatically appear in coinbase account in 2 or 3 business days. However, it has been almost 8 weeks now, and the money still has not shown up in my Coinbase USD account, nor was it returned to my bank account. 

I have sent Coinbase several tickets and received replies which seemed to be automatically generated by computer. Those replies repeatedly claim that wire transfer will automatically appear in my account and ask me to close the ticket, despite the fact that I have never seen the $ XXXX deposited in my account! 

Six weeks later, on XX/XX/XXXX, after I threatened to file a complain on CFPB, I finally got a reply with a name signed at the end of the email. A support team member named XXXX said that he would work with a specialist on my case. My hope was up, I thought this would be solved finally. Yet almost two weeks later, my case is still not resolved and I have not yet received any meaningful response with case specific information despite my repeated request to them. The only response I got was one email which apologizes for the delay and asks me to reply if I still have not received my fund. Of course, I have not received my fund. I replied and still nothing happened till today! 

This has been a nightmare. $ XXXX is not a small amount of money, 8 weeks are enough for a simple wire transfer. Yet I could not even get any meaningful reply on my case from Coinbase. All the replies seem to be copied from a template or simply AI generated reply. I hope that my complain through CFPB will help me to get my money back!
Consumer complaint received 2018-02-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TCF NATIONAL BANK (FL)

I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX .Dba XXXX XXXX  located in XXXX Fl. the Bill of Sale states the amount at $XXXX XXXX then created another Bill for $XXXX. XXXX submitted for the loan amount of the XXXX to the lender, this was on XX/XX/XXXX. The lender is XXXX XXXX XXXX in financing, this lender does not give me the appropriated credit for payments made. My payments are $XXXX  per month, I have been over paying re-guesting that the overage be applied to the principle, they refuse to do so. They are also applying the wrong amount as paid they are applying $XXXX to the principle instead of the $XXXX, and are applying $XXXX in interest. therefore my totals do not go down like they should, I have provided several hundred dollars in over payments with out getting the credit for them. The billing here is inappropriate and seems to be designed to keep me paying and extending the payoff, i believe that they are taking advantage of me and creating more of a financial burden for me by not accrediting my account with the appropriate credits.I did write to them requesting an audit of my account and received a response that was not satisfactory and they continue to do their funny numbers. I need help with this matter, thank you.
XXXX XXXX XXXX XXXX XXXX a tcf company, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ca XXXX Account number XXXX. I am XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Fl XXXX, phone XXXX. According to my credit score the percntage rate that was given should have been lower.
Consumer complaint received 2018-02-04
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: CL Holdings LLC (NV)

This account has been bounced to over four collection agencies since XXXX, this case has exceeded California statute of limitations and is trying to be collected against rules and regulations of debt collection policies. I have contacted bank way back in XXXX and explained that they charged me overdraft fees on an account that was closed. Please help with this matter thank you.
Consumer complaint received 2018-02-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc. (OH)

XXXX is not prioritizing my additional payments to pay off interest bearing loans as they had originally promised they would. In fact, the online Paypal payment system will not permit the lendee to designate where the funds should be allocated. Any payments made are allocated at Paypal 's discretion. I have interest bearing loans that should have already been paid off however Paypal has been paying off 0 % loans as well with my additional payments. I am therefore incurring interest charges on loans that should have been paid off already. Paypal has gone so far as to blatantly apply my payments to a 0 % interest loan that they claimed was already credited due to a cancelled order. On XX/XX/XXXX Paypal posted " XXXX XXXX XXXX XXXX Refund + {$1500.00} '' However as of today, XX/XX/XXXX ( 55 days after this supposed refund ) Paypal credit shows that my payments are still being actively applied to " XXXX 24 Easy Payments {$1400.00} Balance ''. 
In my last complaint XXXX refused to take responsibility for the lengthy delay and false claims regarding a prior refund of {$1200.00}. On XX/XX/XXXX Paypal posted to my account " We're processing your refund and your money will be available on XX/XX/XXXX. '' However that {$1200.00} was never actually refunded to me until XX/XX/XXXX. Paypal sent an email on XX/XX/XXXX promising the refund however those funds were only available to me on XX/XX/XXXX. And yet Paypal still shows on my account that the refund was on XX/XX/XXXX. I did not accept Paypal 's response at that time. I have included documents related to that complaint for reference. 
Fraudulent!