davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (AL)

1. I refinanced my auto loan from US Bank to XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. XXXX submitted XXXX Bank a check for {$19000.00}. This payoff amount was quoted to me on XXXX/XXXX/XXXX. On XXXX XXXX, XXXX, I had notified US Bank about cancelling an extended warranty that was purchased from the XXXX dealership when I initially purchased the vehicle. I was told that the amount would be around {$3200.00} and it would be credited back to my loan with US Bank. A representative told me that it would take XXXX wks for processing. However, it took longer than expected. I even notified US Bank about this and their representative assured me that this would be taken care of in a timely manner. The lady told me it was n't necessary to submit the XXXX payment because the {$3200.00} cancellation of the extended warranty would be processed as my XXXX payment. I made several phone calls to US Bank inquiring about the status of the check submitted by the XXXX dealership. 
2. I would like for US Bank to take responsibility for this error on their part. They have reported a 30 day late payment on my credit report. This has caused a major inconvenience to me and my family. As a result, this has lowered my credit score XXXX points. I am requesting that US Bank remove this adverse action from my credit so my credit file can be restored. 
3. Not only did this error effect my credit score, I also discovered that US Bank had misquoted my payoff on XXXX XXXX, XXXX. According to their records, there was a stop payment issued on the initial check for cancelling the extended warranty. Unfortunately, another check was issued and I was given credit for XXXX cancellations in error. This definitely caused a major inconvenience with XXXX XXXX XXXX XXXX and myself. I had to make several visits to RFCU to resolve this matter, which resulted in me having to do additional financing to support my remaining payoff with US Bank. This caused me to get an extremely high interest rate on the new loan for {$3200.00}. And I have been charged excessive daily interest by US Bank because they were n't paid in full. This was their error and they should 've waived the interest charged to my loan. 
4. I have documentation of my XXXX Mercedes Benz C-Class vehicle being paid off by XXXX. The XXXX check submitted was {$19000.00} and the second check is being submitted in the amount of {$3200.00}. I have lost wages from work having to make all those visits to XXXX. US Bank has not taken responsibility for this major inconvenience. They only have admitted to misquoting my initial payoff in error. They have not agreed to offer me any type of consolation, nor have they offered an apology. They have been extremely unprofessional and have shifted the blame on me. 
5. After thorough investigation, I would like that XXXX, XXXX XXXX -day late payment to be removed from my credit file. 


Thank you in advance, XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX
Consumer complaint received 2016-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NJ)

The following information is incorrect : under PUBLIC RECORDS, it shows : Docket # XXXX - XXXX- Federal Tax lien for {$7100.00}. 
and Docket # XXXX - XXXX - Federal tax lien. 
These tax liens are associated with address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I never lived in that address and the tax liens should not show on my credit report. Please verify the social security number associated with the tax liens, and take them off my credit reports. The name, address, social security number associated with the tax liens in XXXX XXXX, XXXX are NOT mine. May name is simply XXXX XXXX and I live in XXXX. 
XXXX XXXX
Consumer complaint received 2015-07-05
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (TX)

Debtor contacted my sister in another state, Georgia, about my debt. My sister is not a party to any debt that I owed. She has been contacted several times in XXXX via phone. I consider that a violation. In addition, I am contacted incessantly. I am trying to find out if the hospital has requested this.
Consumer complaint received 2016-02-05
Product: Credit card — 
Issue: Balance transfer — 
Company: AMERICAN EXPRESS COMPANY (VA)

I have had an American Express Card since 1979 and have been generally satisfied with their service until now. 10 days ago, I asked for a credit card balance transfer of {$5000.00} to pay another credit card. AMEX has not performed the transfer and does not intend to transfer the money for another week. Adding insult to injury, AMEX will charge me a balance transfer fee of {$150.00} for this " service '' I have complained to AMEX to no avail.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

The consumer reporting agencies need to report all information with complete accuracy, The following XXXX XXXX accounts have been reporting to my credit for a long time with inaccuracy repeated charge - off reports, this account 's is inaccurately reported with monthly charge- offs, potentially re-aging the debt illegally. This constitutes a clear violation of 15 U.S. Code 1681e ( b ), also Omission of account transfer/sale information. The failure to report the transfer or sale of the account misrepresents its status, in violation of 15 U.S. Code 1681s2. Remove the following capital one accounts immediately as they are hurting my credit. Account XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  You have also updated dates of payment inaccurate making the account even more inaccurate.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OR)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2015-07-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NY)

I had a savings account and debit card with TD Bank in XXXX, NY. Since I am a XXXX student I thought this was a safe way to go.The debit card was linked to the savings account for overdraft protection which I was not really sure of the benefits. In fact it turned out not to be a benefit at all but a means of protecting the bank if information is stolen in which on XXXX XXXX my card with my banking papers was stolen XXXX. Two days later I realized my card and papers were missing and I checked my accounts online. On XXXX/XXXX/15 a fraudulent check of {$1300.00} was deposited into my checking/debit account. Within 2 days {$1600.00} was withdrawn from my checking and savings accounts leaving me with no money and a negative balance due to overdraft fees TD Bank insisted I must pay or collections will start. My Dad paid the remaining balance to keep me from collections and hurting my credit rating. TD Bank instructed us to file a police report XXXX which we did. An investigation by TD was opened and quickly closed stating due to the information the thief acquired no recourse on their part would take place. The fake check was deposited in a TD Bank in XXXX NY. We asked if we could at least see the video and was denied. They close the case and said we would have to go to the XXXX police department to file a report in order to possibly view the video. I feel if I saw the video I might be able to identify the person to press charges but TD Bank was only interested in getting their overdraft charges paid. I am now working XXXX jobs to try to recoup my loss to a hard lesson learned.
Consumer complaint received 2016-03-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (VA)

I originally signed up online for a checking account promotion in XXXX, receive a {$150.00} bonus for making XXXX debit card purchases within 90 days. In those 90 days, I made over XXXX debit card purchases but never received the bonus. It has been over 5 months, and every time I contact customer service, they give me the runaround, 'forwarding ' my messages to departments who never respond, or erroneously telling me to contact a third party company ( XXXX XXXX ) which fulfills an unrelated checking account bonus for a free phone. 

I would not have signed up for this account if I did n't receive a bonus. This was a misleading promotion because I never received the bonus, and TD Bank has given me no way to get this resolved through their customer service channels.
Consumer complaint received 2016-02-05
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX I lost my wallet a couple of months ago, I must have thought I contacted capital one 360 's department about my stolen bank card. I was asked the other day ( by my boyfriend ) what ever happened to that return ... Apparently I had contacted everyone else but capital one 360 about having lost my wallet ... 

Capital one 360 is supposed to be zero liability. I was essentially accused of lying about my card being stolen because it was reported late, I had reported other activity ( mind you I believed I had reported losing my card ), the medications make me confused. Capital One 360 claims ZERO liability during it 's advertisement. That is completely false!
Consumer complaint received 2015-09-20
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is an issue concerning an international wire transfer. I had recently opened a basic checking and savings account with Bank of America. At that point, they had proceeded to give me a form titled " To Receive a Wire Transfer '', amongst other forms, in an official welcome packet. The teller then filled out the form, in regards to information such as " Beneficiary Account # ''. 

I then gave said details to my father, in order for him to fulfill an international wire transfer, so I could receive funds to pay for my school tuition. The number written on the form, in my opinion, was written down differently as to what the actual account number was. This lead to my father 's international wire transfer being rejected. 

My father had originally sent an amount of XXXX XXXX, which had converted to XXXX US Dollars, at an exchange rate of XXXX ( XXXX to US Dollars ). However, when the money was returned, only an amount of XXXX XXXX, after an exchange of XXXX US Dollars at an exchange rate of XXXX was applied, was returned to my father, which has led to a substantial financial loss of XXXX XXXX. 

After hearing about this, I immediately proceeded to go to the Bank of America branch, located on XXXX XXXX XXXX. After explaining my situation, I was told to wait for a long period of time for the manager to see me, repeatedly being told to come back at later times because she was not present. After finally being able to see her, I was abruptly dismissed from discussing the matter by her saying that that document was not an " official '' document and that it was simply a courtesy to me, as well as her telling me that Bank of America would not accept any liability for this. The meeting may have lasted for XXXX minutes or under. At this point, I ask you, how am I, as an unknowing customer, supposed to distinguish between what an official document is and what is not an official document when there is no clear labeling on any of the documents and does this warrant me losing XXXX XXXX, for a matter that I do not feel is my fault? 

After this incident, I explained to my father what had happened and he proceeded to go get his own explanation from his bank manager, XXXX XXXX, at XXXX, XXXX branch. He then told me that in order for an international wire transfer to be submitted it requires both a valid beneficiary name and beneficiary account number, which as you by now know was not present. If those aforementioned details are not available, the transfer amount is simply rejected and returned with no charges or internal exchange rates applied, except that of the administrative charges associated with international wire transfer, which in this case should be XXXX US Dollars. At this point, I have proceeded to approach you, the Consumer Financial Protection Bureau, to help me in resolving this case. Thank you.
Consumer complaint received 2015-04-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (PA)

As described in the previous complaint, which was against the CRA itself, it is impossible for me to have XXXX hard inquires waiting weeks apart earlier this year. As explained, Citibank XXXX XXXX, XXXX XXXX, SD XXXX ( XXXX ) XXXX was notified of this error in multiple letters and a phone call. Apparently, Citi thought that a letter or a phone call meant that I wanted another hard inquiry done, which I never gave them permission to do so. It is absurd to think that I would expect a different result within weeks, I merely sent a letter asking for application status, and phoned to also discuss the application and if they received my letter. Because of a possible language barrier, it appears that the citibank customer service agent simply would try to run another hard inquiry. It appears that during this time frame of only a few weeks, my credit score dropped XXXX points. Furthermore, until this is corrected, I can not apply for additional credit with anyone in fear that they will look at these XXXX erroneous requests as a desperate attempt to get credit, probably to be denied and to make the situation worse.
Consumer complaint received 2015-09-19
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (VA)

I have cancelled XXXX credit cards since XX/XX/XXXX, after I was accused of providing late payment via mail on credit card bills. XXXX card was a JC Penney credit card, a XXXX card was a BP Visa Card, and a XXXX was a XXXX XXXX XXXX card. In all XXXX cases, the bank/sender of the credit card statements claimed that they received payment/check from me through the mail " just after the payment due date. '' I have had credit cards for over 30 years, and have never had to make a late payment fee for any cards prior to this past year. This recent problem with late payments on credit cards bills has not occurred with any other credit cards. XXXX of the cards are those issued by Synchrony Bank, and the XXXX was issued by XXXX. 
XX/XX/XXXX -- JC Penney card, {$17.00} late fee chargedXXXX XXXX -- BP Visa card, {$25.00} late fee chargedXXXX XXXX -- XXXX XXXX XXXX card, {$25.00} late fee chargedIn each case, I mailed my payment check 3 weeks ahead of the due date, and yet, the credit card company/bank said the payment arrived late. I find this suspicious, and wonder if it has anything to do with my never having paid late fees in my history of using credit cards. Is it possible this is a scam to make at least some money off of me, since credit card annual fees do n't exist on the cards? I had at least XXXX credit card company say directly to me many years ago that they could n't make money off of someone like me, after i asked to cancel my account with them since i did n't want to pay the annual fee on the card.
Consumer complaint received 2016-03-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc. (AZ)

A credit information consolidator, acting on behalf of my mortgage company, made a number of improper " hard '' credit inquiries in 2016 resulting in subsequent adverse credit decisions including denial of credit or higher interest rates. XXXX inquiry was specifically not approved and during the application process multiple inquiries were made within a 30-day period. I authorized 1 inquiry. I contacted the reporting credit bureaus who referred me to the credit information consolidator. The credit information consolidator refused to remove the unauthorized inquiries because they were acting on behalf of the mortgage lender. I contacted the mortgage lender and they now refuse to remove the credit inquires. I do not dispute that I applied for the loan and authorized a credit inquiry. The dispute is about the number and timing of the other unauthorized inquiries.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Pursuant 18 usc 8 code, I do not owe any debt to these companies an have written 5 letters to each credit agencies, they are violating my consumer rights to privacy, An I would like each account removed immediately please
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX. XXXX.
Consumer complaint received 2015-09-18
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Nations Recovery Center (NY)

I never received a notification of their response to my first claim which made me incapable of responding. My new complaint contains additional illegal debt collection practices1. Nations Recovery Center Explanation of my original complaint was at least 75 % lies. 
2. Reason of complaint closed stated " Consumer can not resolve account and made fales claims. '' Which is incorrect and it is the Agency made false claims3. They stated I confirmed the address on file was an old address of mine when I really said I never lived their4. They made the initial call and started stated personal information before I even confirmed it was my debt and they never verified if they had the correct person when they contacted me5. Release of personal debit collection information without verifying if I was the correct person is s violation of the law as well6. It was the company that called and never stated in the beginning this is an attempt to collect debit and the call may be recorded and monitored. The person stated this 10 minutes into the call. 
7. I asked for verification of debt and he stated he would not send it. because it is too much work. Since my address on file was not mine, and I never heard of this account does n't mean it is my debt because of the same last XXXX digits of my SS number. 

8. He lied about laws of NY State debt collection and stated to me they will go after me 10-20 years and not correct. NY has a 7 year limit and starts from the first delinquency. 

9. Since he stated he gets money from people that are XXXX from their social security income 70 % of the time after they die is not a true statement or stastatistic10.After I explained to him all of these illegal debt collection laws he violated on this XXXX phone call, he hung up right away
Consumer complaint received 2015-07-22
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My Sister and I have accounts in Bank of America. She is in XXXX and I live in XXXX. I wanted to transfer {$200.00} to her account. I logged in the Bank of America mobile application and used the " Transfer Money '' feature. It prompted me for a Cellphone or Email address and the full name of the recipient. I input my Sister 's full name and her mobile number and clicked on Submit. The next day my Sister notified my she had not received the money yet so I called Bank of America. I spoke to one of the associates there and I was notified that the money transfer was sent to an account in XXXX XXXX. They were not able to provide me with the information of the owner of the XXXX XXXX account. Bank of America is telling me that this is my mistake. That I should have not used a mobile number. Bank of America opened a " dispute '' on the transfer but notified me that if the owner of the XXXX XXXX account refuses to return the money, then that means that I have lost the {$200.00}. I will never see the {$200.00} again. 
My Sister number is also registered under Bank of America so I do not understand why would the transfer be sent to " Outside '' of the Bank of America network instead of figuring it out that there was an account within Bank of America with the same mobile number registered. My Sister does not have an account with XXXX XXXX. She only has a XXXX XXXX through them. I am on my second day calling Bank of America and they keep avoiding me and putting me on hold. When I finally contact an associate they tell me that there is nothing they or I can do but only wait. This transfer feature is not secure and it is faulty. Bank of America needs to be held responsible for this mistake and audited to make sure this error does not happen again to other customers.
Consumer complaint received 2015-09-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Van Ru Credit Corporation (CA)

I was attending XXXX University ( online ), my term started XXXX/XXXX/15 and ended XXXX/XXXX/15. On XXXX/XXXX/15 I informed my student advisor due to a XXXX and health factors I need to drop out of school. After having to call again on XXXX/XXXX/15 because no action was taken and speaking to XXXX different student advisors and XXXX financial advisors I was able to drop my classes and was told I had to pay before I could attend classes again which I was fine with. XXXX/XXXX/15 bill from XXXX University showed no charges and the XXXX/XXXX/15 bill showed the charges for the classes I dropped. On XXXX/XXXX/15 I got a call from Van Ru Credit Corporation stating I have not paid my bill in 131 days ( which would be XXXX/XXXX/15 ) and the XXXX term that I owed for did n't even start until XXXX/XXXX/15. She also stated that at 135 days that they would start tacking on interest and report to credit bureaus as bad credit. I tried to work with XXXX University where XXXX people there and XXXX people at Van Rue Credit told me that they were not a part of XXXX University and they could n't help me. So I did n't even have a bill saying what I owed until XXXX/XXXX/15, was threatened that I only had 4 days to pay on XXXX/XXXX/15 or it would be reported to credit bureaus as bad credit, and that I had n't paid in 131 days even though the classes I was paying for had n't started till XXXX/XXXX/15 which was only 86 days from the first phone call I received about it, and only 3 days from the first bill I received regarding the debt.
Consumer complaint received 2015-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Accounts, LLC (CA)

told XXXX times to mail not call. XXXX time would not give me address to send cease of communications notice. would not provide address unless i " talked about the debt '' like did i think i did not owe the debt etc etc.