davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2019, Bank of America received a mortgage payoff during a refinance process. On XX/XX/2019, Bank of Americas autopay system electronically deducted a mortgage payment from my checking account even though the loan was paid in full. I contacted bank of America that day and was told that I would be refunded the amount electronically. By XX/XX/XXXX, my money had not been received and I called customer service. I was told it would take up to 48 hours. After 48 hours I was told it would take 7-10 days for an electronic transfer that had been authorized by BoA on XX/XX/XXXX. Today is XX/XX/XXXX and the monies have not been received and do not show pending. 7-10 days for an electronic payment through the clearing house seems egregious given same day transfers occur daily between banks with services like XXXX.
Consumer complaint received 2018-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

cra and hippa violation taking more than 30 days inaccurate information sent the po report too many to count the XXXX breach has cost me my life they are taking more than 30 days not 100 % correct
Consumer complaint received 2019-07-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: General Motors Financial Company, Inc. (CA)

GM Financial upgraded their System in XX/XX/2017. Nothing has been correct since. Ghost payments due show up on your account ( happened for a year each month ). I schedule payments for withdrawal from my account receive email confirmation and then they either dont take them ( happened this month, again ) or they do it days after it was to be done. I call and what I am told does not reflect what my online statements say. I want a complete forensic accounting of my account PERIOD!!!
Consumer complaint received 2018-01-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: TD BANK US HOLDING COMPANY (CT)

Ive been having trouble making transactions with XXXX, everytime i try to link my debit card it td bank keeps blocking me everytime i try to buy, even devit card saved under XXXX XXXX will not work this is causing me to lose money.
Consumer complaint received 2018-08-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (LA)

I have tried disputing with the bureau on several occasions since the account showed up on my report in 2017. I have spoke to representatives who where very rude and would not help me. They only offered to keep disputing the information. Sometimes the conversations would not even go that far. This is not my account as i have mentioned before. I filed a police report ( XXXX ) and submitted to the company. This account being on my credit report is causing me to not be able to obtain credit due to its negative status. I have tried and proved everything on my part and they have done nothing.
Consumer complaint received 2018-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (IL)

I am filing a complaint against my credit card company continental finance on XX/XX/2018 at XXXX XXXX XXXX and spoke to ms XXXX I wanted apply for a credit line increase that I was told when I called XX/XX/2018 to pay my bill increases are every six months ms XXXX inform that it I should wait until the XX/XX/XXXX to apply for the increase I would have a better chance because the XX/XX/XXXX is my closing date I believe what she told me and I waited the next day I call after looking at my account and I seen was XXXX charges had hiot my account in 24 hours I immediatedly call and ask for a supervisor at the same time I called on the XX/XX/XXXX XXXX XXXX a mr XXXX inform me when he picked up the call that he was the vice president. I told mr XXXX what happened when I spoke to one of his rep ms XXXX on the XX/XX/XXXX after verifying my account mr XXXX then inform me what happened on my account he said the anniversary of opening the XXXX account fees had been applied to my account and that is why I am in the negative of XXXX and I am over my credit limit of XXXX dollars he said to me what the rep should done was to pull the agreement up and inform me of that when I spoke to her on the XX/XX/XXXX and he said because now that are over your credit limit if I apply for a credit line increase now I would be decline mr XXXX also inform me that he was going to have the call pulled to listen to phone call between ms XXXX and myself because of the advice ms XXXX gave ne to wait before applying for my increase now I can not. mr XXXX apologizes for the rep like I told mr XXXX that not solve the charges on my account the customer services rep should be accountable for the information that is giviven to the consumer I am filing a complaint also their are too high I am charged XXXX every month for use of their website i can not pay my bill on there website since i have opened the XXXX account the only thing i can do is look at my account i have call to pay my bill hey do however waived the XXXX fee that they charge for consumers to pay their bill which should be free why i am being charge this XXXX maitance fee every month and most credit cards i have i had let spread payments over a 12 month period this charge that has hit my account XXXX fees i have worked hard to maintain a good payment history on my account, for this to happen due to a customer rep working for this company giving advice to the customers i am a XXXX senior. PLEASE HELP
Consumer complaint received 2023-03-06
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XX/XX/XXXX
Consumer complaint received 2018-08-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (LA)

On XX/XX/XXXX I called the debt collector as I have done several times before in the past since XXXX. This account is not associated with me. This is on my credit report and making it impossible for me to do what I need credit wise because of this account is reporting incorrectly. This is not my account. I have made a ftc report and faxed into the company they disregarded the police report which is against the law.I have reached out to the bureau about this issue and nothing has been done.
Consumer complaint received 2018-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (NY)

In early XXXX opened an TD Bank checking account and transferred in funds. I did not receive checks. A visit to a branch to resolve the matter resulted in assurances the checks would be resent for a fee arriving around XXXX XXXX. None arrived. A call resulted in another assurance that checks would be sent, for a {$30.00} + fee, which the customer representative claimed was waived. Weeks later, nearly two months after opening the account, I have no checks. I have received a debit card. The bank has my correct address.
Consumer complaint received 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Screening Reports Inc. (IL)

The morning of Thursday, XX/XX/2018, I woke up to an email stating that someone has run my credit report and I now have a hard inquiry against me. I tried to contact the company, the call keeps going to voicemail. 
I do not know who the company is or what they do and I have certainly not applied for anything cars, loans, etc in the last year. I have no idea how they got any of my information .This inquiry was not given permission from me, nor can I get ahold of anyone to see who they are. 
I would like this inquiry from " ScreeningReportsInc '' to be removed.
Consumer complaint received 2018-08-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: N.A.R., Inc. (FL)

this company is calling nonstop. they call at least 8 times a day. I have never used this company have told them to send me information to validate this debt.i am an XXXX veteran on social security income. this company, is relentless in their debt collection methods, I feel as if I need to contact the attorney general of Florida. they have reported this on my credit report, in a negative light, they sent letters stating I owe, and to pay. on my credit report XXXX XXXX states CHARGE OFF FOR A LEASE, THEN IT SHOWS 90 DAYS LATE IN XX/XX/XXXX, 60 DAYS LATE IN XX/XX/XXXX, AND 30 DAYS LATE IN XX/XX/XXXX, AS WELL AS THE COMPANY WHICH IS N.A.R THAT IS CALLING ME DAILY, IS NOT THE COMPANY FOR WHICH THE DEBT ORIGANATED. I AM ASKING THEM TO DELETE, AND REMOVE THIS FROM MY CREDIT REPORT, TO STOP THE HARASSSING PHONE CALLS. AS I HAVE NEVER SIGNED ANY DOCUMETS, HAVE NO IDEA WHO THEY ARE OR WHY THEY ARE CONTACTING ME, I INFORMED THEM THE FIRST CALL THAT UNDER FEDERAL LAW THEY HAD ONE TIME TO NOTIFY ME OF A DEBT AND TO NOT CALL AGAIN.
Consumer complaint received 2024-08-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TD BANK US HOLDING COMPANY (NY)

I am writing to formally request the removal of an unauthorized hard inquiry on my credit report. This inquiry was made by TD Bank in connection with a TDFIT Personal Loan application. At the time of the application, I was assured by your representative that I would be approved based on my credit score and bank statements, even as the sole owner of my XXXX, where deposits are made into my business checking accounts. However, contrary to these assurances, my credit report now reflects a hard inquiry from TD Bank. 
This unauthorized hard inquiry constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies can only furnish a consumer report for permissible purposes and that users of consumer reports, such as TD Bank, must have a permissible purpose to obtain such reports. The FCRA, specifically under 15 U.S.C. 1681b, outlines the permissible purposes for which a consumer report may be obtained, and this situation does not meet those criteria. 
Furthermore, the misinformation provided by your representative constitutes deceptive business practices, which are prohibited under the Dodd-Frank Wall Street Reform and Consumer Protection Act. This act gives the Consumer Financial Protection Bureau ( CFPB ) the authority to protect consumers from unfair, deceptive, or abusive acts or practices ( UDAAP ).
Consumer complaint received 2018-01-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (VA)

On WED XXXX XXXX XXXX at XXXX XXXX, I initiated a transfer of XXXX ETH, then valued at {$840.00}, from my ETH Vault at Coinbase to my ETH Wallet. I received an email requesting my confirmation/approval of the transaction, which I gave. At that point, the transaction entered a " 48 hour '' waiting period. At the same time, had that transaction been conducted at the 49th hour of the initial withdrawal, the value at that time was about {$820.00} ( down {$14.00} ). If Coinbase maintains that I did not approve the transaction and have my identity verified until XXXX XXXX on THUR XX/XX/XXXX ( the date/time I received an " identity verified '' email from Coinbase ), then the value of the ETH Vault at that time was {$890.00} ( up {$55.00} ). On the XXXX of XXXX and on the XXXX of XXXX, after going through their abysmal Chat Bot and Support pages, I emailed Coinbase using their email function online to ask why my money is in limbo. I received a response in a separate bank transfer yesterday at XXXX XXXX  via email ( which I immediately withdrew back out of Coinbase and it is not " due '' to hit my bank until the XXXX of XXXX per Coinbase 's terms ), but NOTHING on this ETH Vault to ETH Wallet transfer yet. As it stands at XXXX XXXX on XX/XX/XXXX ( the date and time of my latest screenshot for proof - attached ), the transfer has still not been approved, and the " value '' now showing has dropped to {$590.00} for XXXX ETH, an artificial or forced loss of {$250.00}.
Consumer complaint received 2018-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LEXISNEXIS (FL)

I HAVE NO KNOWLEDGE OF THIS DEBT, RECENTLY I STARTED LOOKING INTO MY BILLS, AND DEBTS, I CAME ACROSS A JUDGEMENT PLACED ON MY CREDIT REPORT FROM A COMPANY CALLED XXXX XXXX. THIS WAS ODD TO ME AS I HAVE NEVER LOVED AT SAID ADDRESS. I AM AN XXXX XXXX XXXX VETERAN XXXX XXXX THE JUDGEMENT IS FOR OVER 6000.00. I AM ASKING THEM TO VALIDATE THIS DEBT, SHOW PROOF I WAS NOTIFIED OF THIS. SHOW I WAS PROPERLY SERVED. SHOW AND VALIDATE MY SIGNATURE. I AM ASKING THEM BECAUSE THIS IS CAUSING ME TO NOT BE ABLE TO FIND AQUEDATE HOUSING I CAN NOT RENT A HOME, I CAN NOT APPLY FOR A HOMES, AS THIS IS SHOWING AS A DEBT A JUDGEMENT A EVICTION, ON LEXUS NEXIS REPORT. I CAN NOT AFFORD TO PAY FOR THIS DEBT THAT IS NOT MINE. THIS IS UNFAIR A UNJUST. 
consumer number # XXXX
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC. (MA)

Today, I received my replacement atm debit card from Santander Bank because I had lost my card. When I opened the envelope, there is a big sticker on the card asking to call an XXXX phone number in order to activate the card. I called the number and a gentleman said I had won a XXXX promotion and that I would need to pay XXXX for shipping and handling. When I declined, he said to have a nice day. I stopped and asked that I activate my card and he said " sorry mam, I will not be able to activate your card if you so not pay for this promotion '' ( exact words ). I immediately told him that he is denying me access to my checking account. Asked to speak to a XXXX and he said that the XXXX will say the same thing to me. Then processed to hang up on me. I called the same number again, and this time a woman said she would be able to help me if I accept a free life saving device but also pay for shipping. I asked both person if this was Santander Bank and they both reassured me that I had called the correct phone number. They both confirmed that I would have to purchase a free product by paying for shipping of the item in order to " activate '' my XXXX debit card. Both parties hung up on me when I enforced speaking to a XXXX. I will now. have to head to a bank branch to remedy the situation about accessing my XXXX  account XXXX. Thank you!
Consumer complaint received 2020-11-20
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Asset Recovery Solutions, LLC (SC)

On XX/XX/2020 a message from XXXX XXXX at XXXX was left on our departments voicemail stating I had a debt and who debt collector spill. I not only do not have outstanding debts with this company but they have been verbally warned not to call my place of work. They have repeatedly called leaving time in between each call.
Consumer complaint received 2018-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PINNACLE RECOVERY, INC. (NY)

XXXX XXXX, XXXX XXXX XXXX account XXXX   balance of {$880.00} paid in full by check XXXX for {$900.00}. Third party collection agency Pinnacle Recovery attempting to charge illegal 40 percent collection fee. There is no contract provision for collection fees and such fees are illegal according to Louisiana state law LA 9:3534. Vendor refuses to follow law, continues to pursue collection actions, and deliberately misallocated payments.
Consumer complaint received 2018-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I called to provide a new checking account number over the phone with a live agent because the pay-phone system would not accept my payment for the new account on the XXXX which is the last grace period to pay my mortgage. Once I did speak to a customer service rep at the mortgage company two payments instead of 1 posted too two different accounts. 1 from a account I never authorized which put my checking into overdraft after providing a different account I was told was entered and corrected twice ..instead of the new account I provided ... leaving the money in the new account untouched .. So I went into my bank with XXXX XXXX XXXX XXXX on the XXXX called the mortgage company again with the bank providing the checking account I had already provided on the XXXX. At that time I was assured my new account would be debited for {$1100.00} ... on XX/XX/XXXX waving the {$12.00} processing fee ... my work payroll it on the XXXX and all my money was debited again on the XXXX for {$1100.00} for mortgage taking all my money out my account that the mortgage company was not authorize or allowed to use I was sent two confirmation emails # XXXX for two drafts 1 from the authorize checking 1 from the unauthorized checking withdrawal..By the way I am not on any automatic withdrawal service. I have been unable to pay any of my mid -month bills such as my car note, car insurance, utilities ... buy food or anything ... I have sent all requested documents to the mortgage company that the money they took from both accounts have cleared plus any NSF charges on my account for my money to be returned. I have spoken to several supervisors, email customer care sent supporting documents still I have not been provided a reversed refund of charges. Now it is the XXXX my mortgage is due again between the XXXX ..But None of my other bills have been paid. This is placing me in a Hardship!!! I spoke with XXXX at XXXX on the XXXX .. Then a XXXX  at same number different extension XXXX on XX/XX/XXXX .I have emailed a XXXX ... sending supportive documents.., .I have emailed XXXX ... 
STILL my money has not been Returned my loan number is XXXX..Lakeview Loan Servicing holds my mortgage. XXXX ... I was also recorded on a recoreded line that I did everything Right..plus provided all correct information from the start ... I would like all my late charges for all bills I could of paid be caught up ... Please Help ... as this is No Fault of mine ... .Upset Consumer!!! my contact number is XXXX
Consumer complaint received 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I have notified Equifax via fax and mail numerous times and they keep refusing to investigate this without the proper identification which I also have included and I am attaching this to and I and I have once again mailed and faxed on today XX/XX/XXXX. I was born on XX/XX/XXXX. Somehow they have my birthdate as XX/XX/XXXX. I know I turned XXXX this year and all my records show that I am XXXX but they refuse to change it and my other creditors are giving me trouble over it too because they are accusing me of lying on my credit applications and I have had to mail them proof that I have not lied, The credit bureaus should not be allowed to change this type of information because your birthdate is something that never changes and they are bad for this. I am attaching a copy fo what I have sent them. I dont appreciate them ignoring this information and refusing this but this is not the first time that I have had trouble like this. They even have accounts on my file that show me as an authorized user that I have asked them to remove, by law they are not supposed to report negative information of an authorized user such as XXXX account but most importantly is getting my birthdate corrected.
Consumer complaint received 2018-08-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (MO)

There was a previous complaint submitted that reported that AFNI did not provide sufficient validation of a debt reported owed. Upon receipt of this complaint, AFNI ceased reporting of the collection account and finally provided " validation '', however per FDCPA a copy of a billing statement is NOT sufficient validation. There are no documents supporting a contract between myself and AFNI.
Consumer complaint received 2018-08-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC. (NC)

I reached out to this company and credit bureaus to inform them all know that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to any of letter directly, which is a direct violation of the fair credit reporting act.
Consumer complaint received 2018-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I made an account with Bank Of America and I was n't being smart. There was a young women that was on XXXX around 2015 and she was flipping money on XXXX and saying that she could make people rich. And I did n't understand like I know now. But she ask me to send my card to new York and I did. Eventually I received envelopes in the mail about withdrawals from my account. And from there my account closed and did n't know what to do from there. I honestly had no clue that it was just a scam. I want to figure out to fix this cause it 's ruining my life. Please help me