davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Advance America, Cash Advance Centers, Inc. (TX)

I took out a payday loan from Advance America on XX/XX/2018 in the amount of {$500.00}. While we were going over the contract I asked twice if anything would be automatically taken out of my account. I was told " no '' both times. They had me leave a check with them which was supposed to be proof of my checking account. I was never told that it would be deposited. Shortly thereafter my husband lost his job and we have been unable to pay the loan back on time. We are struggling to get caught up on utilities, car payment and rent. On XX/XX/XXXX2018 they deposited my check without my knowledge and overdrew my bank account. The check was returned for insufficient funds. I contacted them and told them that might be able to start making payments in XXXX of 2018. They would not accept a payment plan. They wanted the full amount. On XX/XX/2018 they deposited my check again which left me with no money to pay my rent or my electricity. The contract does not specify how to stop ACH payments which to my understanding needs to be described or else the contract is invalid. I spoke to the company today and was told that they had been trying to reach me however no voicemails were left. They stated it was company policy not to leave voicemail messages.
Consumer complaint received 2018-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

B of A made an offer for consumer rewards if I took out credit cards with them. As soon as I was approved they told me they were closing my account and were not granting the consumer points or credit they offered. I paid off the credit cards and now their sending statements that I have a balance for which they will charge interest. When I called B of A there Personnel were unable to tell me when or why they closed my account or how they were calculating a credit balance despite my having already paid it off. Their customer service representatives sent me to their credit collections where the person treated me like I owed them money.

I paid off all balances and was denied the consumer rewards offered when I opened the two cards This is consumer fraud And B of A is not answering my inquiries, rather they are treating me like I am a debtor
Consumer complaint received 2018-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

XX/XX/2018, a total of four fraudulent XXXX Transfers were made from my Bank Account. The bank was notified and failed to act. At the time there were three transfers in the amounts of {$180.00}, {$200.00}, and {$490.00}. Following the call to the Fraud Department of my Bank, a fourth charge came through for another {$200.00}. Total fraudulent XXXX Transfers were {$1000.00}.

My wife and I have never used any money transfer service, so would have had no reason to accept or set up electronic fund transfer with our Bank. That said, there was a change to our account on XX/XX/XXXX18, the same day the charges occurred. These charges are related to XXXX Transaction XXXX and the receiving party email is " XXXX ''. This looks shady to me. 

I have filed a report with the XXXX Police Department. Case # XXXX. 
You may reach XXXX @ XXXX. In addition to XXXX, Complints are being filed with My bank and XXXX  XXXX, where the receiving account is held.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Upon looking at my XXXX, XXXX, and Experian credit file, I learned of a collection account from XXXX XXXX had been added. I have tried to reach out to this company through Consumer finance protection bureau and better business bureau in regards to this collection account. I have no signed  contract with this company. This account is not a validated account nor is this account verified. This is a non verifiable item that has been placed on my credit file causing my score to drop.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

1.Required by 12 CFR 1006.34 ( B ) ( 5 ) yet they have proceeded to place a collection account on my consumer report. The omission denies me the opportunity to verify the accuracy of the debt they claim I owe.

2. I have not been offered the opportunity to dispute the account in accordance with.

12 CFR 1006.34C ( 4 ) ( 1 ) this denial of the dispute process to me of my rights to challenge and accuracy or discrepancy regarding the ledge debt. 
XXXX. XXXX XXXX XXXX has resorted to false, misleading and deceptive means in their collection efforts therefore violating my consumer rights, such unethical practices, undermine the integrity of debt collection process, and calls undo distress to consumers. 
4. For the more the agency lacks the authority to furnish my account to consumers reporting agencies without adhering to the necessary, disclosures, mandated by law by neglecting to their obligations under 12 CFR 1006.34 ( d ) and 15 USC 16812 ( 7 ) ( A ). XXXX XXXX XXXX is flagrantly disregarding consumer protection statues. I demand that the consumer financial protection bureau investigates these egregious violations that are placed on my consumer report no later than 30 days starting today XX/XX/year>
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (FL)

Applied for auto insurance. Provided full information. Lexis Nexis sent report listing " negative information '' that may have resulted in being denied for auto coverage. Never had a claim. All past insurance carriers national companies. There should not be anything negative in our Lexis Nexis report. I have called multiple times. Submitted the only request for copy and mailed via US Postal service a copy of my consumer Lexis Nexis report. Now they state they have no record, despite my sending the file number ( per Lexis Nexis ). 
What to do? Insurance hard enough to get in Florida. And here I sit with auto premiums 100 % high than they were in Pennsylvania, well okay. But current provider XXXX continues to raise my premiums based on this false report that Lexis Nexis states - Does not exist! 
Very Sad! : (
Consumer complaint received 2018-10-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

In or around XX/XX/2018, my account was overdrawn, however, Wells Fargo continued to assess fees and process payments on the account. On or about XX/XX/XXXX, Wells Fargo debited my already negative account to transfer funds into a Traditional IRA, which caused me even more harm and fees to my account. Mind you, the account XXXX and they decided to transfer funds from a checking account with no money to a Traditional IRA. I spoke to someone in the executive office who claims everything was done through ACH, versus a transfer. Meanwhile, I asked them to reverse all of this because the action caused me to add another {$60.00} in overdraft fees. Wells Fargo 's response to me was go in the branch and do a withdrawal, but to my knowledge and understanding of that account, I would get a tax liability for an early distribution, plus the negative fees already assessed. Because of their actions, they have caused further irreparable harm to me, which would consistently increase the fees on the account. The irony here, is that when my account was overdrawn almost {$700.00} in the month of XXXX, the bank continued to honor payments, but by the end of the month of XXXX, the account was given funds, and it was overdrawn, however, the bank covered no payments, but just added almost {$600.00} in fees.
Consumer complaint received 2018-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I have been contacted nearly every day for the past 2 months by a debt collection agency called TransWorld System. The calls are coming from a XXXX area code in XXXX XXXX XXXX but it is a different number each time so I can not block their calls. I have several copies of the recorded messages left. Each time I am asked to call XXXX to speak with " XXXX XXXX XXXX '' and when I call I get a collector. I was informed that they show this number belongs to XXXX XXXX and I do not know anyone by that name. 

I am promised everytime that my number is added to their do not call, but it never happens and the calls continue. I have been as polite as possible but now my frustration level is very high as I can not make it stop. 

Please do something about this lack of concern for my privacy which is now bordering on harrassment for a debt that is not mine. It appears someone made a keystroke error and my number was listed as the contact. I attached a transcript of the last call I did not answer on XXXX. I was contacted last at XXXX on XXXX.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I sent two letters by certified mail to dispute a late payment with XXXX XXXX XXXX XXXX and to dispute a closed account ( {$700.00} ). I sent the mail on XX/XX/year>XXXX  making it almost thirty days with no response to verify that information.
Consumer complaint received 2018-10-04
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Hewitt-Capital (MD)

XXXX XXXX from Hewitt Capital contacted my place of employment on XX/XX/XXXX attempting to collect a debt from their supposedly client XXXX XXXX, I that owed a debt of the amount of {$3100.00}. I told him that I didn't have any money to give, he then proceeded to say that if I didn't pay I would be placed in custody and sent to jail or my wages would be garnished. I ask if he could provide legal documentation, he said he sent a letter to my address. I never received a letter. I told him I would pay {$100.00} dollars for today. He said it was a XXXX processing fee. I gave him prepaid debit card information. He took XXXX out of my account. I told him that I would attempt to pay XXXX by Saturday. He said ok. I didn't have the money on Saturday. He called my employment that following Monday. He ask why hadn't I paid. I said that I didn't have it and I needed to pay my rent. He then yelled at me and said. He would snatch the check out of landlord 's hand and that I was on recorded line and I should be in custody right now. I was very intimated. So I told him I would pay him XXXX today plus the processing of fee of XXXX and try to pay XXXX in two weeks to close the account. This was on XX/XX/XXXX. So I used what I saved up for rent and paid him XXXX on XX/XX/XXXX. He advised then that I owed a another {$1500.00}. I knew something wasn't right. I stopped answering his calls. Tried to dispute the transactions with my bank. They declined the credit. He then proceeded to take out {$150.00} on XX/XX/XXXX and another XXXX on XX/XX/XXXX. I never received confirmation number or any legal documents and now facing eviction. Also, XXXX XXXX has advised they did hire them to collect debt.
Consumer complaint received 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

I received feedback from LexisNexis referencing an address where I told lexisnexis that my identity was stolen, and used, the furnisher pacer has stated that they do not supply addresses, please remove this inaccurate ch XXXX bankruptcy # XXXX account from my record, I will include the ID THEFT packet to show that my identity was stolen, along with the local police department and FTC report
Consumer complaint received 2018-10-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (MN)

I was informed that if I qualified for a short term loan with money lion that a membership fee would have to be paid while I had this loan. it was a {$600.00} loan to be repaid in 6 months, during which a membership payment along with a loan payment would be paid until the loan was paid off. {$130.00} for the fee and {$100.00}. for the loan payment. I made all the loan payments and paid off the loan on time XX/XX/XXXX XXXX. one membership fee was not taken from my account otherwise 5x {$130.00} was paid. when the loan was paid off my obligation for monies ended then. moneylion has since continued to withdraw {$130.00} a month two months after loan payoff. I contacted them and told them that those unauthorized withdraws on my account were not ok they told me that until I paid the missing payment fee from XXXX that I could not cancel the membership I didn't know I had. I went to their web site where I learned that the membership fee they were talking about was XXXX a month well with myself being charged XXXX a month these two fees must be different if a membership for XXXX a month is truly what I joined then why was I charged XXXX $ a month. when I was given this loan I was not aware I was joining a club, organization, or group I was simply informed that when I had a loan thru them I would be charged the extra fee. so now Money lion has  received from my account XXXX in membership fees and XXXX in loan payments totaling XXXX for a XXXX loan claiming I was only charged 5 % interest. I think that money lion should have to be held to there own guidelines. if I really did join a membership then I should have been charged their stated membership fee of XXXX for six months totaling XXXX plus the loan payments XXXX I should be able to cancel said membership anytime after load payoff. moneylion overcharged me XXXX a month on the membership fee 5 times ( XXXX ) charged me 2 months past loan payoff ( XXXX ) overcharging me XXXX I missed one fee charge of XXXX leaving us with a XXXX over charge to me. which I would like refunded. 


thank you
Consumer complaint received 2018-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MD)

On XXXX XXXX, XXXX I received a letter from the XXXX XXXX XXXX stating that I owe XXXX cable amount of XXXX. They stated in the letter Averse credit information will be reported on XX/XX/XXXX. This letter was dated XX/XX/XXXX. 

I contacted XXXX because we we discontinued the service XXXX XXXX. I asked if there was an account opened in my name and they reported no. My husband had the account in his name. his account balance is {$0.00}. They reported that they would never bill a third party for the fees. 

Then on XX/XX/XXXX i received another letter from the same company a reminder notice asking me to pay that debit. this letter is dated XX/XX/XXXX So I believe that this is a scam.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am filing this complaint because after reviewing my credit report, I am writing to dispute the following bankruptcy and the accounts included. I informed XXXX, Transunion, and XXXX, and XXXX XXXX that furnishers must include consumer identifiers to include proper name, date of birth, social security number, telephone number and address. Also ( see attached ) XXXX XXXX and XXXX is reporting an incorrect social security number of my full file disclosure report. I would also like to know if you held the furnishers of the accounts below accountable to FCRA law, and if so what procedures were used to determine the accuracy and completeness of the disputed information? 
Please provide me the following information for accounts listed below : The name of the person at the credit reporting agency who verified the dispute with the original creditor The documentation that was used to verify the dispute These include : XXXX XXXX Partial and inaccurate account # XXXX ... showing discharged in bankruptcy XXXX XXXX Partial and inaccurate account # XXXX ... Both of these accounts are showing twice with XXXX with two incorrect account balances {$4500.00} and {$3900.00} Invalid Furnisher showing discharged in bankruptcy XXXX XXXX XXXX Showing four incorrect high balances {$5700.00} and {$2900.00}, {$1500.00}, {$3900.00} XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' ( reporting four times ) Incorrect balances {$760.00} {$1100.00} {$300.00} {$970.00} XXXXXXXX XXXX Invalid account number # XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX  showing discharged in bankruptcy " STATUS INCORRECT ''
Consumer complaint received 2018-10-03
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: CITIBANK, N.A. (CT)

I purchased shoes on XXXX with my Citibank Simplicity credit card. The shoes were of poor quality and did not match the description and picture from the website. I am an XXXX XXXX  member so attempted to send the shoes back and XXXX refused. This was the first time they have ever refused a return, and they closed the case on me and refused any further contact on the matter. 

I then filled a complaint with Citibank as the purchase was made on the Citibank Simplicity credit card. Citibank opened a case, gave XXXX 1.5 months to reply, and once they did Citibank closed the dispute and reversed and charged me again for the purchase ; not allowing me time to further dispute. Also, the terms of the Citibank Simplicity credit card states 90-day return protection which they did not honor. 
" If You try to return an item within 90 days of purchase and the merchant wont take it back, We may refund You the purchase price up to {$300.00} per item and {$1000.00} per year. '' Citibank clearly is in collusion with XXXX and performing unfair business practices that are harmful to me as a consumer. Please escalate this matter and investigate both Citibank and XXXX for these unfair business practices. I am fully prepared to send back the unused shoes still in the box once it is fully paid for in shipping and specified that purchase refund will be made..
Consumer complaint received 2018-10-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CHECK INTO CASH INC. (OH)

Company calls me several times per day and hangs up. I feel they are using abusive credit collection tactics by harassing me. 

Also, I am sure if the charge is legitimate. They waited 3 years before putting themselves on my XXXX Credit report.
Consumer complaint received 2018-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

XXXX XXXX - related to 3 of my accounts with them, XXXX XXXX, XXXX, walmart On XX/XX/2018 I had a hard inquiry done on my Credit score and everything came back fine. Nothing All but one credit card I had was paid to XXXX on XX/XX/XXXX. 
Suddenly in the mail I got a letter dated XX/XX/XXXX from XXXX XXXX stating my XXXX card - they ( OUT OF THE BLUE ) did a recent inquiry on my credit and they found. 1 ) Serious Delinquency 2 ) A Number of accounts with Delinquency's.. So they were lowering my avail balance from {$700.00} down to {$100.00} ... I thought wait I just had an inquiry on my account done, how was this possible. 
But I get an alert stating my Credit has changed and I should check it. So I did When I look into it and find out Synchrony was the one who put put the delinquency on my Credit Score ( over a 38 day late balance of {$42.00} dollars ) Now mind you on XX/XX/XXXX my report was clean - nothing for PAST OR DELINQUENT in a couple of years. and all but 1 CC was paid to XXXX by the XXXX So on the XXXX. Synchrony put a 30 day past due on my score. 
So now I get this letter stating after a review - Serious Delinquencies, Number of Accounts with Serious Delinquencies, Lack of recent loan installment information. BLAH BLAH BLAH 2 pages. 
So now my Score tanks by a significant number. 
So I send them a scathing letter back - SO YOU CAN ONLY GUESS WHAT IS ABOUT TO HAPPEN NEXT ... ... ... .. 
I get couple of notices saying my credit is improving again - I think Great .... yeak ok. 
Synchrony in turn does not tell me but they close another ( XXXX ) account ( which had a XXXX  balance for over a year mind you ) Then on XX/XX/XXXX they send me a letter stating they closed a third account ( walmart ) on me stating same exact wording as XXXX letter. ( Walmart also has had a XXXX Balance for over a year ) After all of this is said and done end of XXXX I get noted that my XXXX account is now " improved '' on my credit score ... .. Here I am now with 2 accounts closed, another one with dropped avail amount. 
So you want to know the domino effect of these smucks has had on my credit with their added on XXXX. By them having to close my accounts due to a XXXX lines about number accounts Delinquent, Serious Delinquency. I had 1 delinquency and it was put there by them. So today I get a note saying my credit is changed again - I look to see that Because Synchrony dropped one credit line and closed my 2 other accounts - my available amount of credit has dropped so that also effects my score which again dropped .... Synchrony is a bunch of clowns, who played with me and jacked my credit rating into the tank.