davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I called my credit card provider, ( Capital One ), to make a balance transfer to pay off one of my bills for {$5400.00}. I checked the transaction 10 days later and it had not posted on my bank. Instead it was made to a different bank that I 've never heard of, XXXX XXXX XXXX and to a different account number from the one I gave the Service Rep that took my call. I called Capital One on XX/XX/XXXX and they said to wait another 10 days. I have called numerous times. The second time I called I was told to call the bank myself but yet they would n't even give me the account number the transfer had gone to. I kept calling and asking for the supervisor in the Balance Transfers Department but I was told the same thing every time. That it would take three months for the investigation. Now my credit card bill shows the {$5400.00} plus the {$100.00} transfer fee which I have been paying on the monthly payment of {$54.00}. I asked them to please credit back my account since the error was made by the bank, Capital One and why are they making me pay for their error. 
It sounds like FRAUD because the Rep that took my original call was n't very clear and I do n't remember she reading to me the company disclosures. I do n't understand how I gave them my bank information and the account number and the transfer was sent to a totally different bank and totally different account number that they are refusing to give to me. They are being rude about me calling various time to check on that matter. I do n't know what else to do. They are not returning my money and Im still paying high interest on my original bank which that was the purpose of the balance transfer to begin with plus I have to give them a monthly payment. Im asking for help or please tell me how I can go about this. I really appreciate all the help I can get.
Consumer complaint received 2021-04-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ALLY FINANCIAL INC. (WA)

XX/XX/XXXX Purchased Hearing Aids from XXXX XXXX  through Ally Lending for {$7500.00}. XXXX XX/XX/XXXX Notified Ally Lending I was returning the hear aids so the money could be returned to Ally lending, Ally Lending assigned a dispute case # XXXX and a case manager XXXX XXXX. I tried to return the hearing aids in person but XXXX XXXX refused to take them back and refund the money. I sent them back with a certified letter and I sent the hearing aids back by registered mail. I sent all receipts to Ally lending along with the reasons for the return. Alley denied my request. 
My only income social security {$10000.00} a year. 
I have sent a complaint to the attorney genera : file # XXXX XXXX XXXX XXXX email : XXXX XXXX XXXX XXXX third party XXXX XXXX XXXX
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AZ)

I contacted XXXX about this issue, they show multiple inquiries in reference to purchases I made. eg : I purchased a car from XXXX XXXX XXXX ... ..3 inquiries hit my credit record for one purchase. This has happened on many of the items I 've purchased. So now my credit report shows 3 to 1 ratio ( inquiries I made to the ones that actually hit my credit record ) on many of the purchases I 've made. Now I ca n't get credit and my Bank ... ..XXXX XXXX XXXXXXXX is reducing my credit because of these additional inquiries. I 've talked with XXXX  twice about this and they refuse to delete the additional inquiries so that they reflect what actually occurred. They said it 's not up to them? I asked : who then? They said they will drop in 3-7 years ... ... ..not acceptable as I 'm denied credit in the interim. 

There were also several inquiries made on my credit report that I did n't even recognize. They would n't do anything about them either.

XXXX and Experian were contacted because of the same issue and all 3 still report similar information in error.

I make a six figure income, have well over 750 credit score and pay my bills on-time ... .NO LATE PAYMENTS EVER ... ..yet I ca n't get credit ....

What can I do about this legally? Can CFPB help me?
Consumer complaint received 2023-10-09
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Paypal Holdings, Inc (VA)

On XX/XX/XXXX, I placed an order online for {$580.00} for three items from XXXX using PayPals XXXX service. This meant that I paid for the purchase in XXXX installments of {$140.00} each : on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The items were delivered on XX/XX/XXXX and returned in-person to a XXXX showroom on XX/XX/XXXX, which was within the allowed return window. I received a handwritten receipt for the return at that time. 

However, a month later, I still had not received the refund due in the amount of {$360.00}. So I raised a dispute directly with the credit card used for the transactions, a XXXX from XXXX XXXXXXXX XXXX, administered by XXXX XXXX XXXX : claim ID # XXXX. As part of this claim process, XXXX received a letter dated XX/XX/XXXX from PayPal stating that my claim was accepted. As a result, XXXX also accepted my claim and charged back and refunded the appropriate amounts. I have now been refunded in full. As you can see from the screenshots, PayPal also opened cases and closed them in my favor, in parallel with this process. Those case numbers are : XXXX XXXX XXXX, and XXXX. 

Unfortunately, since then, I can still see on the homepage of my online PayPal account that PayPal has this XXXX plan incorrectly listed as in arrears, with immediate payment due. I also applied for a PayPal credit line on XX/XX/XXXX and was denied due to this error still being listed incorrectly on my account. My credit score is near XXXX and I have never before had any issues with any accounts whatsoever. The denial letter that came from XXXXXXXX XXXX  caused me to think that a negative report had been made to the credit bureaus. Thankfully, I have been unable to find any such negative account listed. I fear PayPal may yet report something that will hurt my credit in the future, though. I now believe that the issue is internally within PayPal and that the reason for the denial is the incorrect listing of this one installment plan. 

I have also tried several times recently to obtain new PayPal Pay-in-4 plans and been denied by PayPal. 

I have called PayPal at least five times trying to bring this ongoing issue to PayPals attention, but no one seems to understand it or has done anything to correct it. I have talked to multiple departments. Both PayPal and I now possess a recording of a recent call on XX/XX/XXXX, in which the representative verbally acknowledged that my claim had been decided in my favor and that PayPal had accepted the claim. Yet, I am completely unable to use Pay-in-4 at this time or to obtain any credit from PayPal Credit due to PayPals continuing listing this matter on my account as delinquent.
Consumer complaint received 2018-01-25
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. (TX)

Experian continues to report inaccurate, unvalidated information to my credit file. I have proof from the creditor that this information is not valid. This credit bureau is willfully violating the FCRA. According to the FCRA, this item should be removed immediately.
Consumer complaint received 2018-01-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ZINC Financial, Inc., (CA)

I sent the check to make my monthly payment to Zinc auto finance. I was called by their agency and informed that they did not receive the check and instructed to make an automated payment at XXXX. I agreed to do so because I wanted to make my payment. I was informed by the associate that my check would not be deposited. I found out that the payment could not be processed through a card but only by cash at XXXX so as you can see dated XX/XX/XXXX ... there was a withdrawal for XXXX which is my payment. Then on the same day my check was also deposited. I called XXXX XXXX XXXX and asked what had happened and asked for a reimbursement of one of the payments. I was told to call my bank and ask for a reversal. My bank informed me there was nothing they could do and to contact Zinc and ask for a refund and they would take care of the overdraft fees which total over XXXX dollars. I called Zinc back and explained what my bank had informed me. I was placed on hold for over 20 min and then hung up on twice " by accident. '' I was then directed to leave a voicemail for the supervisor. I proceeded to do so and explained my situation. She called back and I again explained what had happened. She informed me that there was nothing they could do for me. She said she spoke with accounting and they were unable to process a refund. I was literally in tears asking her if there was something she could do. I agreed to one payment not two. I am a single mother going to school and working and could not afford the double payment. I explained if she would reimburse me my bank would cover the fees. She said she would talk to the accountant again but there were no guarantees. I was just in shock that a company would take two payments and not reimburse one. These people clearly do not care about people they only want their money and will not stop at any point to get it. I am most definitely responsible for making my payment but I simply could not afford two. I highly recommend anyone looking for a bank to take a loan out with to look elsewhere unless you are ok with being treated poorly. I am still stunned at the way I was treated. They told me it was my fault for not putting a stop on the check when I was informed it would be documented that my check would not be cashed. The clerk who I spoke with on the phone had an attitude and told me " I did n't write the check. '' They asked me why I made the automated payment when I wrote the check and all I was trying to do was make my payment and be honest and be in good standings with these people. I am just downright surprised at how I was treated. I made another bank account to take care of other bills I need to stay afloat while making payments on the other account as I can. All because I was denied a return on a double payment.
Consumer complaint received 2018-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Bank of America has seized money from a Guardianship checking account under a fraud claim and will not release them. 
This is an account monitored by the Probate Court in XXXX, SC. BOA seized the funds out of this account back in XXXX 2017, and told me it was under fraud investigation. I have been to the bank multiple times to get information as to what is needed to release the funds back to me, but I have not been given any information. I made repeated trips to the bank and spoke with the branch manager and he made phone calls to the BOA legal department all during the month of XXXX, and the only response given is that it is under investigation. 

I had a phone conversation at bank of America to the Fraud department on XX/XX/XXXX, and did a follow up Email in regards to my account which is under fraud investigation. I understand that the funds of {$18000.00} are still held in the HOLD HARMLESS account by Bank Of America. I also understand that the fraud case is still open and someone is investigating the account. Also I understand that this person has the 18 pages of documents that I provided Bank Of America months ago that explain in detail from the Probate court that the account was a legitimate account.

I have asked Bank of America to provide any details of what they need from me or the Probate court to release the funds ASAP. At this point the funds are needed for my mother 's assisted living care. Also I need to provide the court with information as to why I do n't have access to the funds at this point, and what is being done to get them back.
Consumer complaint received 2018-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

First, I should not be charged the late fee, as I didnt know what I had to pay, since I had filed previous complaints with the CFPB and was waiting for them to be resolved.Please refund late fee and interest charged.

On the the interest, I logged on recently and noticed my rate is now 29 % ( apr I believe ). I think if anything, and according to the Obama Credit Card reform act, my rate, after paying more than the first six months off on time ( Im almost positive if not more than six ) should have gone down. I havent kept track so much but I doubt I had started with 29 % rate. So to sum up, please lower the rate based on the law I mention, and refund the interest and late fees. For XX/XX/XXXX for example, I was given a refund of both but never had a chance or knew what I should pay before Capital One considered it late.
Consumer complaint received 2018-01-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (ND)

My coinbase.com account was suspended due to me being a XXXX resident, I have since moved to XXXX XXXX and have sent in my new ID and received confirmation of my ID being verified by the customer support but my Account is still blocked. Coinbase did get in touch with me briefly but have stopped responding to any of my messages or complaints. I have messaged them daily with no response for over a week. I just want to make sure that I have not been scammed out of my money ... my login for coinbase is XXXX Thank you for any help you can provide
Consumer complaint received 2018-01-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (MN)

I already have a mortgage with USBank. I was contacted to refinance. I was told there would be no hard pull on my credit but there was one. I was also told I was approved for the loan. I later received a letter that I was not approved. I 've asked to have my hard pull removed but it has not. In the meantime, I have no idea where the refinance stands. I 'm somewhat educated in this world yet am still perplexed. I 'd rather resolve this amicably but am at my wits end ... Thank you. XXXX
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: World Acceptance Corporation (OK)

World Acceptance keeps hitting my credit report from PAID OFF loans from XXXX. I am trying to get my credit cleaned up and this is not helping my score. I want them to stop reporting old information on me. I called their cooperate office and left a voice mail and got no response. I waited about three weeks before calling the local branch here in XXXX OK where I was told someone would get back with me but I have yet to hear back from them. 

Thank you, XXXX XXXX
Consumer complaint received 2018-01-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

This company has filed a record on my credit report. I have no knowledge of it since they did not mail me anything. They might have violated FDCPA by not notifying me. I am afraid they have stolen my identity. 

I have no made business with them and I do not owe them anything.
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX I submitted a request to Equifax to remove a fraud alert that I DID NOT ask to be placed. On XX/XX/XXXX Equifax removed the fraud alert and ( see enclosed ) placed an extended fraud alert on my file. This is is malicious in nature and I plan to prove this in court. Please remove the following items from my credit report per FCRA since they were not investigated within the 30 day provision ... 

XXXX XXXXXX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-01-25
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (CA)

There was a charge I my account for a purchase I did not make. When I bought the furniture there was a grace period of being interest free. During the dispute process I was told not to make payments as the exact amount of the furniture was now in question. While his was being disputed the grace period ended. I was not informed that the graces. Period would continue while this was in dispute. As a result the credit card company kept charging me finance charges, interest and late fees which is now more than doubling the amount of my furniture. I paid off the amount t of the furniture and the late fees and interest herded and finance charges continue to rack up. I have tried for 2 years to resolve this with the company unsuccessfully and his had dramatically affected my credit. I have now lost my job and because of the affect on my credit I can not apply for loans.
Consumer complaint received 2018-01-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Owl Automotive Group, Inc. (FL)

I, XXXX XXXX, social security ending XXXX, purchased a XXXX   XXXX XXXX, 4 door XXXX with XXXX interior, Vin # XXXX, on XX/XX/XXXX from Owl Automotive Group. The financed it through Owl Auto Finance which is owned by the same man, XXXX XXXX. 

On XX/XX/XXXX, the same vehicle as described above was repossessed by Owl Auto Finance. Approximately a week or two later, I was told that XXXX XXXX, who is manager of Owl Automotive Group and Owl Auto Finance, was jumping up and down bragging while smiling and laughing in the front office in front of customers and staff members saying " ha, ha, I just repossessed my old bosses ex-girlfriend, XXXX XXXX 's car. '' I was also told later that she was telling more people/several customers on different occasions that she repossessed XXXX XXXX 's vehicle! 

I have since later heard this is a third party disclosure for companies that operate in this capacity. I am writing this complaint to you because I do not think this should happen to me or anyone else. I was very embarrassed and this is an extremely private matter. After receiving this complaint, I would please ask that you advise me on actions that I should take and you should take. 

I thank you in advance for your prompt attention in this matter and I look forward to your immediate response. 

XXXX XXXX
Consumer complaint received 2023-10-09
Product: Credit 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: WELLS FARGO & COMPANY (SD)

Wells Fargo Escalation Department, Still see no refund from unauthorized payments from this company. This company has sent our 45 letters showing " confirmation of single electronic payment '' so they can be refund me cfpb from well fargo departments. This XXXX XXXX, XX/XX/XXXX, I never spoke to on any case # XXXX, XXXX, or a XXXX XXXX XXXX, so many people at this company don't know how help or understand the situation! My bank is getting upset with this companies mistake. So start taking responsibility wells fargo.
Consumer complaint received 2018-01-25
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. (AZ)

I have the XXXX Citi Business card. I had to pay for refrigerator repair for my business on XXXX/XXXX/XXXX. That cost {$700.00}. Refrigerator worked fine the few times we used it in XXXX and we took a break in XXXX for wedding and honeymoon. In early, XXXX I contacted the frig repair company since the problem came back and I ca n't run my business without proper working equipment. Company came out and charged {$120.00} for a diagnostic fee on XXXX/XXXX/XXXX. They order parts and completed the work on XXXX/XXXX/XXXX for another cost of {$1000.00}. The total I paid this company is {$1800.00} and in early XXXX the frig went out again. I ended up purchasing a new unit for {$2800.00}. I contacted Citi to dispute the charges on XXXX/XXXX/XXXX they gave the business owner until XXXX XXXX to respond. Fortunately they responded sooner, I provided my a letter stating that the repairs were inadequate. They told Citi bank that they have a 90 day warranty, but the company told me they have a 30 day warranty. I 'm being taken advantaged of by this company and Citi bank did nothing to resolve it. They sent me a letter stating the merchant did n't want to refund me so the dispute is resolved. Citi rep was also telling me that the time it took me to dispute exceeded the allowable time, but it only took this long because they gave 3 months to respond to the dispute.