davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am XXXX since XX/XX/XXXX. I was unemployed but receiving unemployment until XX/XX/XXXX. Ive comtinued working for an agency of XXXX and was hired at XXXX XXXX XXXX XXXX in XXXX for 2 weeks and then another job for XXXX XXXX XXXX in XXXX, Ca. While I XXXX XXXX XXXX XXXX Since XX/XX/XXXX til XX/XX/XXXX. I no longer have any banks since my wallet was lost since XX/XX/XXXX. I had closed my account with Bank of America by telephone. I got no access through mail due to XXXX. I have no idea why Bank of America is putting a block on my name which is preventing me from opening a bank anywhere. I left out of country on XX/XX/XXXX til XX/XX/XXXX. Recently I received a check from XXXX and XXXX fir some settlement. It was issues on XX/XX/XXXX, While i was out of country. Now my check are not able to get cash or deposits due to Bank of Anerica put a hold on my account, dissabling me. Im able to residenwith my brother sharing a room with my parents. And gon na start my job nearby. But with my problem with XXXX, my checks are just useless. Please help me get back on track and I cooperated with Bank of America but they said even if I would pay the bank will not let me open an account. So therefore, my hands are tied and now stuck in the past.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (NY)

They keep cold calling me everytime I am late on a payment. They don't even let the month end before they report theate payment to the credit bureau and start harassing you about the month you are late and the following months payment. Your due date is the XXXX of each month, your payments is {$35.00} a month if you are late meaning any day past the XXXX they tell you owe {$70.00} which is amount of the current month you are still in and the next month. The customer service representatives are so rude they just say " is the so and so well you owe money how are you going to pay? '' They don't even give you a chance to explain why you were late only by week and a half. Then they try to force you to pay the current months balance and next months balance. They shouldn't be allowed to harass consumers this way especially for {$35.00}.
Consumer complaint received 2018-07-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Data Corporation (CA)

CFPB Complaint XXXX ( which is closed ). 
The company, XXXX XXXX XXXX indicated that the matter would be resolved by them by refunding to me the money that they had charged me for the debt collection. I received an email on XX/XX/2018, stating that the money would be refunded, and a letter XX/XX/2018 stating that the money had already been refunded.

As of XX/XX/2018 I had not received refund, and sent an email to XXXX XXXX with XXXX XXXX XXXX  requesting a response by XX/XX/2018. 

XXXX XXXX replied to my email on XX/XX/2018, stating that their refund department sent the money to my account on XX/XX/2018, and to check my account.

I had XXXX on XX/XX/2018 and was unable to respond until XX/XX/2018. 

I verified no fund received in my account, and emailed my response to XXXX XXXX on XX/XX/2018. My email was immediately returned with the message " address could not be found or unable to receive mail ''. I verified email address and tried two more times. All were returned immediately with the same message. 

The telephone number given in the letter goes to the wrong company ( a sister company ), and it is impossible to get through their automated system in order to reach a live person, to get me in contact with XXXX XXXX. 

XXXX said they would refund the money, and I expect them to follow through with their statement. If they attempted to send the money to the account closed due to fraud, which they are fully aware of, then they need to correct this matter immediately. 

This behavior is unacceptable. After everything they put me through, they are now going to not refund my money. There are thousands of complaints against this company. Countless of hours lost by innocent consumers. I do not understand how they are able to remain in business, with these very obvious unethical business practices.
Consumer complaint received 2018-07-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (MD)

I made a regular home equity payment on XX/XX/2018 using two checks from different accounts. One check was in the amount of {$200.00} and the other was in the amount of {$370.00}. On XX/XX/2018 I received a text alert that one of the accounts was overdrawn. I had to have my daughter transfer funds to the checking account until I returned to research it. I was out of town during this week. After researching it, I discovered that Suntrust processed the payment out of one account not the two that the checks were written on. When I returned on XX/XX/2018, I went to the Suntrust branch that processed the payment and asked them to fix it. The teller said that it was already processed and she couldn't do anything about it. She said their system holds account numbers and that the lady processed it through the incorrect system. I then told her that I was going to call the XXXX number for Suntrust and ask them to fix it. She didn't care. This wasn't the first mistake they made with this account. Many other mistakes have been made since securing this loan. I then went out in the parking lot and called the XXXX number. I spoke with a woman who assured me she could fix it. She then took the correct number of the account that the {$370.00} was to be taken out of and said she would process it and that she wasn't sure if the money could be put back in the other account electronically but if it couldn't we would receive a check. On XX/XX/2018, {$370.00} was debited from the correct account and to date, we haven't received the money back from the incorrect withdrawal. That money was to be used to pay a bill. We don't have the money, nor credit for the extra money on the home equity. Suntrust has the money but we have no record of it being a credit to our account. I called again today and spoke with a gentleman who told me that the complaint kept getting pushed around and that he thinks a check is issued. I told him I was filing a complaint as this money was to be returned to us by now and instead Suntrust took another {$370.00}.
Consumer complaint received 2018-07-03
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: EQUIFAX, INC. (MO)

I have tried to fix this problem before to no prevail. I stated that I have absolutely any knowledge of the following accounts. Only to be told by the credit agencies the accounts has been verified, but never given me any physical verification. I'm requesting that these accounts be blocked from my credit report, XXXX XXXX ( XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX
Consumer complaint received 2018-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX OF XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXXXX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-07-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AR)

MONEYGRAM IS FAILING TO REFUND FRAUD INDUCED MONEY TRANSFERS FROM XX/XX/XXXX-XX/XX/XXXX TOTALING {$47.00}, XXXX PLUS {$15.00}, XXXX FOR A GRAND TOTAL OF {$62.00}, XXXX.
Consumer complaint received 2022-08-23
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)

Inaccurate information reporting on my credit report that are not mine. I have contacted XXXX, XXXX, Experian several times via phone, online and via first class mailings on many occasions in regard to inquiries that is reporting inaccurately. I even provided a police report and I get the same response each time that they have been removed but they are still appearing on my report. It makes it look very bad on my credit report and reporting negatively/inaccurately. I am trying to finance something on my credit report and it makes it very difficult when theyre checking my credit and this inaccurate information is appearing. I have disputed and reached out to XXXX, XXXX, Experian several times and they say the same thing over and over, that we have removed them but they have not sent me anything in writing with proof of the removals. After they were going to mail out letters confirming the removal of the disputed inquiries. XXXX, XXXX, Experian needs to provide proof of validation of these being removed and the results of my disputes. When I call XXXX, XXXX, Experian they keep telling me that their handling it and I should see an update and I never do. The last rep I talked to stated he was taking care of it only to find out he had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following inquiries is what is being reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  How can all the bureaus be using the same information, but some bureaus are reporting correctly & the others are saying verified which is totally incorrect. In addition my XXXX and XXXX score does not reflect my credit profile.
Consumer complaint received 2018-07-03
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: EQUIFAX, INC. (MO)

I have no knowledge of the following inquiries inwhich keep being reported on my credit report by the credit agencies inwhich has not given me any substantial documentation of such doing. I'm very aware of what an inquire is and how they get there inwhich seems to be the only response from the credit agencies. The knowledge of what an inquiry is. My next step is to file suit against the 3 credit report agencies for harassment if the following inquiries remain without physical verification. I'm requesting the following to be blocked from my credit report, XXXX ( XX/XX/XXXX), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX   ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX   XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2018-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

hi, i have been getting calls and/or letters, reg a debt that was quite few years ago!!! And i went Bankrupt, and told them to, Portfolio collection agency. But they are known to harrass people. Let them know, that also they were sued in Virginia and another law suit is being filed/ a class action suit, so they need to stop harrassing people reg old bills!!!!!
Consumer complaint received 2018-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2018, I got an email about my bank account balance being below the requested amount, so I logged into my Bank of America account to check the balance of my checking account and the balance was {$1.00}. I saw that there were 3 unauthorized transactions on the account. There were 2 ATM transactions, {$480.00} and {$500.00}, and 1 XXXX purchase of {$470.00}. I checked my wallet to make sure my debit card was there and it was so I asked my husband to check and make sure he had his debit card and his debit card was not in his wallet. My husband has his card the night before when he went out and does not remember dropping or misplacing his card. The fraud transactions were immediately reported to Bank of America and a fraud dispute was filed. The bank informed us that we would received our money back in 48 hours, which was a lie. When we called back a few days later we were told that the money would be replaced that day, which again was another lie. When we call the fraud dispute line again they told us it would take 10 days ( this was on day 4 of 10 ). On day 10 ( XX/XX/2018 ), my husband received a call from a young lady at the bank stating that she had more questions regarding the fraud. He answered all of her questions and was told that he would hear from them on the following Monday ( XX/XX/2018 ). My husband did not receive a call from the bank, on XX/XX/XXXX, so he called them to inquire about the fraud dispute and was told that the account was closed out because he did not answer the remaining questions they had when they contacted him on Friday ( XX/XX/2018 ). He informed them that he spoke with an associate and answered all her questions when she called him on XX/XX/XXXX. They then proceed to tell him that he would have to wait another 10 days for them to conduct another investigation. We have been lied to constantly by different individuals every time we call and we just want our money back.
Consumer complaint received 2021-10-19
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Adjustments Inc (NY)

Credit adjustment inc has furnished this Alleged collection accountXXXX  Please be advised that I hereby dispute the validity of the alleged debt listed in its entirety. I request verification of the alleged debt. Specifically, I request the following items for verification : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) evidence and an itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me.

( 4 ) Proof that this is an account as defined in Title 15 1693 A ( 2 ) the term account means a demand deposit, savings deposit, or other assetaccount.

( 5 ) Please send me a copy of any assignments of the promissory notes for the related student loans.

( 6 ) Please Send me a copy of the required written authorization received from me by the original creditor to provide a third party such as yourself with information on my behalf.
Consumer complaint received 2018-07-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

XX/XX/XXXXI was checking my account and discovered that my account had been compromised.I reported to USAA Bank and investigation. 

They concluded that it was not fraudulent transactions. The card being used was a XXXX card in my Daughter 's name. Her name is XXXX XXXX and that is the name of the card. 

They also stated that you open an account in her name in USAA. That XXXX account was like 5 years ago once she became an adult she was responsible for that account. My daughter is XXXX years born XX/XX/XXXX. That was told to me by USAA bank. 

During that time she did not have access to my checking account or I gave her my checking account information. I did not open up a XXXX card for her or had this card connected to my checking account at any given time. 

USAA did not give me any factual documents or proof that I gave or consented to these transactions. They said that I had to dispute them and this was not fraudulent claim. I disputed them and they reach the same conclusion. 

I have not spoken to my daughter since XX/XX/2017 we do not have a relationship due to her behavior problems and issues with her life. 

I did file a report with the XXXX County Sheriff department in XXXX, NC and NO ONE! has contacted me regarding this matter. I was told by USAA total transactions was a 109. Four transactions were over {$10000.00}. I believe total taken was between 10 and 20 thousand over a 4 month period. They took out {$9000.00} in an instance and USAA did not ALERT ME! 

on my bank statements it just says XXXX E-PAYMENT and the amount and shows my daughter name. Does not show what store or items purchased.I honestly believe that my Daughter is Responsible for this with her history. 

USAA has not told me is it her that is using the card? Did someone steal the card and using her information may be one of her friends? Since the bank statement does not say City and Location and did not provide me with purchases that was made and what vendors or stores so I must explore all possibilities. 

USAA response in my denial letters is that they have documents or proof that I authorized these transactions. They have not showed to me or presented any factual documents. I still repeat and stated I DID NOT AUTHORIZE ANYONE TO STEAL OR MAKE TRANSACTIONS FROM ACCOUNT USING A XXXX CARD. I DID NOT GIVE MY CHECKING ACCOUNT INFORMATION TO MY DAUGHTER TO MAKE PURCHASES FROM IT! 

My daughter is not on any signature card with my bank account is not an authorized user on any bank account I have ever had and ever will. The only way my daughter received my information she STOLE or FORGE my name!
Consumer complaint received 2018-08-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CO)

On XX/XX/2018 my XXXX XXXX XXXX was totaled. 
My XXXX XXXX policy paid a claim of {$7000.00}. ( claim # XXXX ) Claim manager XXXX XXXX XXXX..ext. XXXX I called Santander today and my " estimated '' pay off is XXXX.. 
What does " estimated '' mean..I owe no late fees, XXXX XXXX  claimed title so I owe no title fees. 
My phone was monitored for quality assurance..so if you have any questions about that..you have a recording. 
On XX/XX/2018 you will receive a payment for {$800.00} paid through my bank. 
I think it is highly possible you owe me $ . 
I expect to receive a statement stating I owe you {$0.00} yes that is XXXX
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Company included is Transunion. They have charged me XXXX dollars a month for their credit monitoring service. I do not remember signing up for it, but it isn't my complaint, as I know people click click click and do things they don't mean to. I cancelled the service around 2-3 months ago. I received the message on their website " you have successfully cancelled your service, it'll continue until the end of the month '' or whatever. I check my credit card again, and it's being charged from transunion again. I go back and repeat the process. There are a couple issues with their process. It's impossible to find the cancel subscription option from the profile page. I can not delete my credit card from my profile so the issue doesn't happen again, and I can't delete my account without calling them during the day. They need a delete credit card option, along with a 'cancel subscription ' option which is accessible from within the profile and isn't hidden through some backdoor. Further, their option to cancel the subscription needs to work and not continue regardless of what I'm asking of it. I missed 7 months of XXXX dollars which is adding up quick. There are no visual indicators, after the initial message, that my subscription has ended. How do I know if i'll continue to get charged next month? I literally don't know if what I did worked until it either happens or doesn't happen. You can tell from the screenshots that the transunion cancel subscription url is similar to the profile page. I couldn't find the page from within the profile and had to do a XXXX search on how to cancel the subscription. Upon navigating their website, you'll see what I mean.