davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I open a check account for my XXXX daughter XXXX XXXX at bank of America at the time we open the account we made sure that it was not allowed for the account to over draft or allow any aver payments but the bank has charge my daughter over limit fees and over draw fees I contact the XXXX Bank of America but no help, I ca n't afford to pay those unarguably fees.
Consumer complaint received 2016-08-24
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (NY)

I have used Western Union multiple times in the past to send money to my fiancee in XXXX for purposes of my wedding. The last time I did this, they put the transfer on hold and asked for a lot of personal information - including my passport, ID, father 's middle name, purpose of the transfer, recipient 's information. This was honestly all more than I wanted to give for a simple money transfer. However, as I wanted it to go through, I sent this information to them. That transfer went through eventually. About a month later, I tried a money transfer again - this time they informed me that the transfer was cancelled for an unexplained " business decision '' and that it would take me 7 business days to get a refund of my money. This is terrible service - randomly cancelling money transfers without any explanation and then taking up to 7 business days to refund the money back. If they are to stop and refund in this manner, I would expect the refund to take at most 1 business day, not 7. The transfer has already been paid so I am waiting for the refund before I can try another service to send money. I will never be using Western Union again.
Consumer complaint received 2016-08-24
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Someone fraudulently used my debit card. I tried to call Bank of America to report it but after waiting on hold for 30 minutes ... ... .... I hung up. I called back and talked with a customer Rep and she apologized but told me that there were long wait or hold times on the phone to report fraud for a debit card. If it had been a credit card then I could file the fraud complaint online. But could not file a complaint for a debit card. If someone has my card number and is charging fraudulent charges, it can be used just like a credit card. Except they are going through real liquid cash! This needs to changed ASAP.
Consumer complaint received 2017-10-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

The bank of america atm on XX/XX/XXXX failed to read my check that I deposited due to no fault of my own. The bank put the funds on hold and two weeks later sent me a letter assuming that the account my check was drawn from was closed. However later the bank representative realized that it was bank of america who was at fault. The money was put on hold before my funds would clear until I made a cash deposit, however before I put in cash it resulted in a large amount of overdraft charges. The bank manager refused to credit back the last 8 overdraft fee charges because in the reps opinion the bank credited back enough penalty fees already. I clearly explained to her that it was simply not my fault that the bank of america atm was unable to read my check. I have never gotten back my few hundred dollars the bank took from me in penalty fees.
Consumer complaint received 2024-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (SC)

On XX/XX/year>2024, I had {$2500.00} withdrawn from my account as student loan payment and then again on XX/XX/year>2024, in the amount of {$3000.00} from 'DEPT EDUCATION STUDENT LN '. Of the money taken from my account, Edfinancial claims to have only received {$1800.00} ( on XX/XX/year> ) and {$30.00} ( on XX/XX/year>2024 ) and applied it to my balance. They told me they have refunded the {$3700.00} of the total {$5600.00} that I paid because ( 1 ) " it was the wrong account number '' ( then why did ~ {$1800.00} go through? ) and, in the same call the representative said ( 2 ) " we ( edfinancial ) don't accept saving accounts as payments ( again, WHY did the payment go through and why does the website even accept savings accounts when you are adding a bank? ).

They allegedly filed a financial investigation on my account but, did not give me a timeframe, report number, or even a confirmation email. The representative asked me to call my bank, XXXX XXXX, to which XXXX XXXX responded that no refunds or reversals or money whatsoever has come back to them. I have asked XXXX XXXX to dispute both charges as I suspect there was carelessness on Edfinancial 's part. I come to the CFPB, desperate and scared, and ask that they help uncover the truth of what happened.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Experian allowed XXXX XXXX to place a collection account on my credit report in the amount of XXXX USD. The original creditor is XXXX. After speaking with representatives within XXXX, I have been told I have a XXXX balance ( XXXX ). Without any regard for my personal and/or credit worthiness, Experian decided to put this on my credit report. As I am in the process of buying a home, this has put a dent in my credit making it harder to purchase a home! Should someone get a slap on the wrist or should a full blown lawsuit follow this to justify what has happened to me and I 'm sure, tens of thousands of others ...
Consumer complaint received 2018-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

On XX/XX/2018, I requested a second debt validation via certified mail. AES has failed under the FDCPA to furnish the following : 1. Proof of a permit number that they are licensed to collect a debt on North Carolina Consumers.

2. A copy of all the ORIGINAL documents required under the Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it.

3. A complete payment history on this account.

4.All original copies reflecting an agreement to pay the alleged debt.

5.Copies of all invoices, bills, and notices concerning this alleged debt.

6.If this debt has been purchased or assigned, AES has failed to provide a copy of all related agreements.

7. An explanation of why AES is not reporting on my credit report item is being disputed.

8. Evidence that AES is authorized and licensed to receive payments on this alleged debt.

9. The reason why AES / XXXX XXXX is not accredited with the XXXX.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had three credit accounts with XXXX XXXX XXXX. I got into some financial difficulties and I was not able to make my payments on time to capital one. After several failed attempts with XXXX XXXX XXXX to reduce my monthly payments or to make an arrangement with me so that I can keep paying capital one on time my accounts went into collection and charge off status with capital one. Within a few once my finances started picking up. I called capital one to pay for the debts. I was told that they can offer me a settlement amount on each three accounts and I a pay the settlement offer in one payment instead of making monthly payments. So I made payment on the accounts as follow : My three accounts ending in XXXX charged off on XX/XX/XXXX, with a balance Of {$2100.00}. On XX/XX/XXXX, this account was settled for  {$1100.00}. My account ending in XXXX charged off on XX/XX/XXXX, with a balance of {$2100.00}. On XX/XX/XXXX, this account was settled for {$1000.00}. Your account ending in XXXX charged off on XX/XX/XXXX, with a balance of {$870.00}. On XX/XX/XXXX, this account was settled for {$430.00}. All of which I paid and paid in full. 
Now I previously file a complaint that capital one is not reporting these trade line correctly. These accounts are paid and on XXXX XXXX XXXX these account are not reporting that I paid these account. So it makes the account look like I did not pay any money on these accounts when I paid these accounts over 3 years now. For the whole 3 years Capital one has been violating both state and federal law and reporting these accounts inaccurately. Now according to new York State Law paid charge offs are supposed to be remove from a consumer report 5 years after the first date of delinquency. I would like Capital One to remove these accounts off of my credit files being that they have been reporting it inaccurately for some many years, and has caused me and my children hardship.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WV)

Trying to remove all comment on credit reports/from credit reporting agencies showing items in dispute. 
1. Please remove all dispute comments on all accounts! 
2. Please remove all late fees and show XXXX balance due XXXX student loan 1 and student loan 2. 
3. Please close XXXX XXXX account and remove all dispute comments! Show XXXX balance due!
Consumer complaint received 2017-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I XXXX XXXX believes that I should have been notice from XXXX XXXX XXXX XXXX that there was a balance to my account. I simply have no idea how this balance could be so large. However, XXXX is a public utility, and they are governed by a state public utility commission, not by federal Fair Credit Reporting law. Accordingly, I request a full accounting of the XXXX debt, in addition to a signed agreement or assignment from XXXX to XXXX XXXX XXXX XXXX XXXX If there was never a true assignment, then the collection has to start from scratch, and I must be given notice that XXXX intends to turn the matter over to a collection agency. This item should go through the proper legal procedure before its placed back on any of my credit reports. I request XXXX and Experian to mandate from this subscriber to follow the proper collection procedure as stated in FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

THIS ITEM NEEDS TO BE DELETED AND GO THROUGH PROPER PROCEDURES AS MANDATED THROUGH THE SUBSCRIBER AGREEMENT XXXX HAS WITH EACH CREDIT REPORTING AGENCY!
Consumer complaint received 2018-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX is showing on all bureaus account is showing old delinquency. I have since paid off the balance off the loan it is now closed as off XX/XX/2018.
Consumer complaint received 2018-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (MA)

On XX/XX/2018 I logged into my paid Experian account. Inside I found several information discrepancies. There are versions of my name that are incorrect, one listed SS # is wrong. The website gave me a number to call : XXXX. Using option 3 ( as I have an account with them ) I tried to resolve the issue. All I received was an automated message with it hanging up at the end. There was also no email or chat offered as an alternate for dispute resolution to contact them directly. I'm very disappointed.

Considering that Experian is contracted with the US military in handling credit protection, I'm at a loss as to how poor their services are. My information was compromised in the OPM hack, I have to spend the rest of my life doing due diligence to make sure my information is correct, and/or not compromised. Experian can't even offer me the correct tools to do this, even with a paid account.

The " Dark Web Scanner '' is a raging joke. Considering most dark web information is encrypted through TOR servers, how the heck can they really scan anything? Yet, they still charge people for this service. I frankly think what they promise on this option is fraudulent.
Consumer complaint received 2018-07-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I was sent a cashier 's check that was fraudulent and had no knowledge of it in XX/XX/2009. As a result of this error I have been blocked, without given the benefit of acknowledging that I had no knowledge that the cashier 's check from what I was told was a student loan stipend, from ever opening an account with Bank of America. I was unaware and made it known to the bank that I received this check, along with an email, that said it was my quarterly stipend. It was my first experience with this at the time and I had no idea that this in fact was not a good check. I would like that block removed from my history with them.
Consumer complaint received 2018-07-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings (TN)

I took out an installmemt loan with original credit limit of {$1400.00}. But because I reborrowed, the total amount owed is {$1600.00}. Speedy cash/ XXXX XXXX   continued to tack on interest and fees for weeks and days.in spite of my efforts in calling requesting managemnt to give me a call etc. and recieving calls trying to get balance resolved upon time of default, I never ignored their calls always explained my situation to them time and time again. They seem to be very heartless and cuthroat as a financial company, its terrible and sad. I have been in contact with dozens of reps requesting payment agreement before it became outstanding with fees totaling {$2100.00}. I have had a medical hardship which caused a financial hardship for which I explained to what it seemed like a million reps before the interest fees became ridoculous. Speedy cash has recieved before default {$700.00} and some odd dollars already. I dont dispute that I owe the money that I owe I only dispute the amount that they are wanting due to interest and fees. Totaled borrowed was XXXX. I have already paid 700 plus dollars. I called asking once again for a manger to call to get this worled out reasonably and I am asking that they waived the extra {$500.00} in fees and interest and modify the existing payment agrrement of 10 pmts of XXXX  to pay out amount of XXXX instead Of {$2100.00} dollars because in The end as it currently stand, they would have collected from this loan a total of over 3000 dollars from an original credit limit amount of XXXX which is double what i originnally borrowed. I asked for a manager to give me a call about getting this payment agreement amount modified from {$2100.00} to {$1600.00}, and waiving the extra fees which would be less than 10 total pmts of XXXX a month..Being again, they have already recieved XXXX plus in payments. I need a manager to have a heart and straightened this amount out to be paid out total to be reasonable, which would be XXXX. And take into account the XXXX dollars that has already been faithfully paid. Iweekly upon illness whoch resulted in default.Thank you
Consumer complaint received 2017-10-02
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: Concord Servicing Corporation (SC)

Dispute Concerning XXXX XXXX XXXX XXXX Blackwell Recovery Reporting On My Credit Report There was a hostile management take-over at XXXX XXXX XXXX XXXX location in XXXX, TN. a couple of years ago. The new management company advised me and my family that the prior management company was not licensed to manage timeshare projects in the state of Tennessee. The new management company gave us the option to withdraw or opt out of our timeshare interval. We exercised our option and opted out. 
The prior management company later regained control of XXXX XXXX XXXX management and a class action suit was filed. We joined the class action lawsuit. A negative report was placed on my husbands credit report, which was later removed when we advised the reporting agency about the circumstances and the class action lawsuit. 
Now, several years later, a negative report has been placed on my credit report. We have paid in full for each timeshare interval we used at XXXX XXXX XXXX. We do not owe any additional money. XXXX XXXX XXXX has continued to charge our closed account for each interval since we opted out of the timeshare. 
This negative report needs to be removed from my credit report. I have filed a complaint through XXXX and Blackwell Recovery falsely indicates the report is accurate and refuses to remove the incorrect information from my credit report.
Consumer complaint received 2018-07-20
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AES/PHEAA (WI)

XXXXXXXX XXXX XXXX SC Attorneys at Law is not giving all the information I need for a Case between XXXX XXXX XXXX XXXX XXXX XXXX vs. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the law firm client. I'm XXXXXXXX XXXX  XXXX 's mother, XXXX XXXX. I understand they had court in XXXX for her. She was paying the loan and stopped in XXXX of XXXX. They are trying to garnish my check without giving me any proper information about the borrower and loan. I want to see the original papers so I can know more about the loan. XXXX, phone number, XXXX, ext. XXXX is the rep. I've been in contact with and I can't explain anything to him. He is so rude. I believe if you are going to garnish someone's paycheck they should know more a bout the company, which is not a regular loan creditor. They are a trust place and more like a depositor. I told them I'm really not able to pay my daughter 's loan. I am the cosigner. My daughter has two jobs and is working on her XXXX XXXX degree. She just received XXXX and should have payed her dept I'm not sure if this place is legitimate or not that's why I didn't provide them with any of my financial papers. 

Case # XXXX File # XXXX
Consumer complaint received 2017-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Dispute Concerning XXXX XXXX XXXX XXXX XXXX XXXX Reporting On My Credit Report There was a hostile management take-over at XXXX XXXX XXXX XXXX location in XXXX, TN. a couple of years ago. The new management company advised me and my family that the prior management company was not licensed to manage timeshare projects in the state of Tennessee. The new management company gave us the option to withdraw or opt out of our timeshare interval. We exercised our option and opted out. 
The prior management company later regained control of XXXX XXXX XXXX management and a class action suit was filed. We joined the class action lawsuit. A negative report was placed on my husbands credit report, which was later removed when we advised the reporting agency about the circumstances and the class action lawsuit. 
Now, several years later, a negative report has been placed on my credit report. We have paid in full for each timeshare interval we used at XXXX XXXX XXXX. We do not owe any additional money. XXXX XXXX XXXX has continued to charge our closed account for each interval since we opted out of the timeshare. 
This negative report needs to be removed from my credit report. I have filed a complaint through Transunion and XXXX XXXX falsely indicates the report is accurate and refuses to remove the incorrect information from my credit report.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

Equifax data was breached. It has been more than 30 business days since Equifax made a public announcement of the breach. I have not heard of any plans to issue individual written notice of the breach nor have I seen any documented account of individuals recieving such notice from Equifax. 

I have experienced other mass data breaches, including one via OPM.  Notice of the breach was served in writting via the mail in a timely manner. However, options offered for securing my data at the 40+ credit agencies are time consuming, costly, and ineffective, making it impractical for me to implement. The recourse for credit alerts, freezes, and monitoring services are cumbersome and do nothing to prevent or reduce recurrence of the problem. 

These widespread identity breaches have demonstrated a government failing with serious negative implications for our econmoic and national security. I want better regulation, oversight, and control over the collection and use of my consumer data. It is incumbent upon the government to protect citizen privacy. The CFPB must be properly empowered and funded to deal with this cybersecurity threat. The size and visibility of my digital footprint should be within my control. Default opt out functions should be invoked to eliminate involuntary data sharing and access features.
Consumer complaint received 2018-07-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I am XXXX XXXX XXXX. On XX/XX/XXXX I have purchased XXXX XXXX Key Programmer from  XXXX website through my PayPal account. I supposed to receive it in 3-5 days but received it on XX/XX/XXXX. The item was defective and did not work. it would give all error messages. I have contacted the XXXX with complain, but they keep referring me to different websites to find support. I asked to give me their address in order to return it but they refused ( emails will be attached ). Later, I have opened a dispute with PayPal. After a while they close dispute without any explanation. I have reopened dispute. PayPal requested evidences for defective item, such as pictures and a letter from the third party indicating that the item is f defective. I have provided all requested documents ( will be attached ) but PayPal close dispute again. I have contacted the supervisor from the claim department and they keep reopening the dispute and closing during all these months. Last message I received was do not open any dispute we refuse to review your case because of not providing sufficient documents. During these time i requested a letter with explanation and what kind of documents they need but did not receive any response.