davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (GA)

the collection agency is reporting to the 3 major credit bureaus inaccurate information and has been since XX/XX/XXXX until current. i have contacted the credit bureaus and collection agency and the refuse to investigate and verify this account. the contract does not bear my signature, and contains the following inaccuracies : monthly payment, date opened on contract was XX/XX/XXXX, account is closed with a past due balance of XXXX. the date last reported was XX/XX/XXXX but reporting a different date with the bureaus.
Consumer complaint received 2021-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I file for chapter XXXX bankruptcy on XX/XX/XXXX and I get the order of discharge on XX/XX/XXXX, which include all my credit cards with the exception of my car loan which I continue to pay my monthly installment until I pay off the whole balance of {$4400.00} on XX/XX/XXXX XXXX, but when I checked my credit report recently from the three major credit bureaus I was surprised that the ( pay status ) of my auto loan which represented by ( XXXX XXXX XXXX XXXX ) is included in my bankruptcy case which is not supposed to be, I contacted Transunion, XXXX  and XXXX and ask them to correct the wrong information about my auto loan and I send them all the required documents, each of them launched their own investigation, after all the result come back with no change and they stated that the car loan is part of the bankruptcy.
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (MO)

there are several charges on account that came out of XXXX after I already moved to XXXX XXXX I contacted you this morning and wait until everything is settled but they do not want to take responsibility for the issue. I'm already experiencing homelessness because of this. they pretty big card is US Bank ReliaCard which was an option to receive my taxes unemployment benefits.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (NV)

On XX/XX/2020 I sent credit bureaus ( american credit acceptance ) removal letters via certified mail asking to have several accounts reporting about alleged debts removed from my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. '' All letters were also sent with a green return receipt and only one of the companies has signed saying they received it. Under federal law, these corporations have violated me as a consumer. XXXX  agents have all infringed on my right to privacy since they are signing for letters that I did not send to them, but to the corporations. I have disputed the items on my report many times with little to no response from each company. Their previous responses state that the disputes can not be removed because they have been validated, which is false. Corporations can not validate any alleged debt without the consumer 's validation. I have not been able to relocate my family to a safer environment due to denials from rental companies. These companies have caused me and my family many hardships due to the alleged debt being reported on my consumer reports.
Consumer complaint received 2021-02-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (NJ)

Im trying to sell my house as a short sale the second lien holder is asking for over 50 % of a debt I owe and it is holding up the whole deal I have been trying to sell this house 9 months already first they asked for XXXX then they said XXXX I owe about XXXX but I did bankruptcy so they suggested either we put up the money or the buyers! The main bank is willing to give 10 % I dont know what to do how else to deal with this I just want to sell before the house foreclosures. They clearly dont even care the house has been empty for over a month already.
Consumer complaint received 2021-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NJ)

I opened an account with Citi bank using links advertising a XXXX bonus. I met the requirements by depositing XXXX and keeping it in the account from XX/XX/2020 to XX/XX/2020. There was a waiting period of XXXX days after that, after the which Citi has still not deposited the bonus. They sent a letter stating they were unaware of any bonus associated with my account. I went through the steps of opening another account to check and aside from following the advertised link, there are no extra steps a customer needs to do in order to become eligible. Also, on XX/XX/2020, I contacted CitiBank through chat with XXXX and made sure everything was Ok with my bonus status. He stated that everything was fine. I have contacted the XXXX and the bank itself through phone calls and faxes to try and fix this situation and have the bonus I earned deposited into my account.
Consumer complaint received 2021-02-04
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Account Control Technology, Inc. (IL)

ACT contacts my job daily, despite asking them to only contact me via my cellphone. I can not receive calls at work, and calls have to be transferred to me, disrupting others work day, including mine. This was discussed when I've talked to them before. I work in a school and can not receive calls at any part of the day. Their communication is abrasive, fast, confusing, and purposely predatory. When the do call, they are usually talking very fast and quiet in order to confuse whoever is talking to them. I had payments set up with them, and was still unsure what it that I was agreeing to because the nature of the calls are so purposely quick, confusing, and threatening. At that time, I did ask them to not contact me at work, and they call daily despite that. They were given my cell phone number and my work times so that they know when I am able to be contacted. When they contact me on my cell phone, they do not leave messages, so I am unsure whether a number or contact is legitimate or spam. I do not feel comfortable contacted unknown names and numbers when they are quick talking and asking for personal information, and threatening to garnish wages if you don't make a payment, but you have no clue who they are. I have attempted to change my bank information online, and am not able to. I received a call on XX/XX/2021 which was so quiet and unclear that I couldn't hear what they were saying, and the person continued to try and go through their fast talk and threats, even when I asked if I could have a number to call from my cell phone or if he could contact me on my cell phone. I do not feel safe contacting them due to their threatening contact techniques, and will be contacting a lawyer to handle future issues.
Consumer complaint received 2021-02-04
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. (IL)

I have been disputing bankruptcies that EXPERIAN has been reporting on my consumer credit report since XX/XX/2020. I have sent them multiple letters disputing the alleged bankruptcies explaining why the item that they are reporting must be deleted from my consumer credit report. Each time they send me correspondence stating the item was verified-certified. No information on how the information was certified or verified. However, after reviewing my Experian Credit report, I discovered that Experian used a third-party data company. On XX/XX/2020, I sent Experian another certified dispute letter with supporting documentation. I received another letter from Experian stating that after their investigation, that it is verified-certified the item belongs to me. I have submitted a CFPB complaint on this item as well as others. In every letter, I have sent to them I have included a copy of my state driver 's license and a copy of my social security card. After receiving the response from Experian in regard, I sent another letter requesting the items be deleted and enclosed a copy of my social security card, ID with my name and correct address as proof of my identity. I received correspondence from Experian stating that once again the disputed item was verified-certified. I am convinced at this time, that either they are not conducting their investigation under the laws and guidelines set forth by the Fair Credit Reporting Act ( FCRA ) or they are blowing me off. Whichever it may be they are violating my rights under the laws of the FCRA and are knowingly reporting inaccurate information and participating in unethical reporting practices.
Consumer complaint received 2021-02-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Alliant Capital Management LLC (KS)

In XXXX I got a personal loan from XXXX  XXXX XXXX. The loan was wrote off as bad debt and sold to Alliant Capital Management. I received a call from them yesterday ( for the second time after talking to them a month ago ) from XXXX in reference to account number XXXX. The collection agent informed me that they were going to file criminal charges for fraud towards their company they were collecting for XXXX XXXX XXXX as well as garnish my wages/bank for funds owed. I informed the representative I spoke with his company the month prior and informed I filed Bankruptcy in XXXX and it was discharged in XX/XX/XXXX. I informed XXXX XXXX XXXX was in fact included. I informed the representative that this time they would be hearing from my attorney for pursing the debt after notification. I did contact my attorney and was told he would be sending a cease and desist notification as well as a notice of what could happen if they continue. I have also contacted the XXXX and MO attorney general ( since I work in Missouri, but live in XXXX ) and now you all. I don't want money, but I do want their predatory collection practices looked into and the company fined for threatening with out intent.
Consumer complaint received 2021-02-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (CA)

I received a notification for debt settlement in the amount of {$83.00} from CBE Group over a year ago regarding a debt owed to XXXX XXXX. I disputed the debt, sending a written letter within the 30 day period requested. I never received any further letter from CBE validating the debt nor asking for any further information on my behalf. Recently, on XX/XX/2021, a collection report in the amount of {$83.00} showed up on my credit score, thus effecting my overall score. Am I correct that CBE must legally verify debt before taking action on an individuals credit? The debt is not valid and I have not seen any validation of it. I have kept outstanding credit my entire life and have had nearly perfect credit, paying everything on time, so this is extremely concerning and unfair. Please help keep companies like CBE accountable for their legal liabilities and fraudulent actions.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I paid off a car loan early, to American Honda Finance ( AHF ), via an online payment ( ACH ) of {$3400.00} approximately, from my Bank of America checking account on XX/XX/XXXX. Per Bank of America ( BAC ), they were noticed by XXXX that an online payment could not exceed {$3000.00}, so a check needed to be sent for the payoff amount. This check was sent on XX/XX/XXXX In the full amount to address and account Number given by XXXX to XXXX. On XX/XX/XXXX, XXXX returned the check to XXXX. XXXX also sent us the car title, indicating the loan was paid in full. Then, XXXX proceeded to bill us, without notice, for 2 months and late fees. We received a negative credit report from XXXX XXXX this weekend and made inquiries. We immediately paid the full balance again ( on XXXX ) via phone call with XXXX, from our BAC checking account to AHF. XXXX accepted the payment ( now with a larger payoff amount ), removed the late fee, and refused to remove the negative reports they sent to the credit unions without proof from BAC of the returned payment. The original XX/XX/XXXX payment receipt and reversal is reflected on the XXXX account online for our account. XXXX worked with us this evening to call XXXX to resolve what happened and get whatever documentation XXXX needed to remove the negative credit report. XXXX refused the call, saying we would need to call another number tomorrow morning for the Customer Service department. At what point does XXXX or BAC become responsible for fixing our falsely reported credit gap? Also, at what point, does either XXXX institution become responsible for contacting us, as both entities have our home address ( we got the title in XXXX from XXXX to our home address ), our email address ( they have on file ), or our phone number? We are so very frustrated and angry about the number of calls, the bad XXXX XXXX XXXX drop Of XXXX points XXXX, and still unresolved problem.
Consumer complaint received 2021-02-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (OH)

I sold multiple items on eBay and ebay uses PayPal for sales transaction. XXXX has already made some funds from the sales eligible for withdrawal. However, PayPal asked held up all of the funds from the sales and is refusing to release any of them despite my calling their customer service. I have uploaded my government ID ( driver 's license ) and the receipts for the goods I purchased to put on sale on XXXX as they requested on XX/XX/2021. Per my conversation with their online agents which I have copies of stated that their team will get back to me in 3-5 business days once the documents/information has been provided. Today marks the 4th business day and I call the customer service manager who told me they will not review the matter until this coming Thursday on XX/XX/2021, which is past the 3-5 business day mark. And the worst part is that the customer service manager told me that on XX/XX/2021, they will then make determination whether to withhold the funds for an even longer period of time. They are withholding about {$7500.00}, which is not an insignificant amount, for no clear reasons. 

All of the sales I have made on eBay are legitimate and verified by eBay. But PayPal is withholding my sales funds from verified sales. I read through their policy for withholding funds here ( https : //www.paypal.com/us/webapps/mpp/ua/useragreement-full? locale.x=en_US # restricted-activities ) and I did not violate any of the published guidelines. This act of withholding without clear reason/violation is malicious and needs to be investigated/intervened. 

For example, PayPal 's own electronic system with attached transaction IDs and payment total stated that the funds would be available to me. But in fact, when I log into PayPal to try to make use of the funds, it is not available to me. I can provide more examples of this if need be. Please let me know.
Consumer complaint received 2021-02-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One Bank ( 360 Savings ) refuses to provide some customers their 1099-INT digitally through their portal due to technical issues on their end. They are unable to solve the issue or provide an ETA for 1099-INTs to be available digitally.

Customer service confirmed this issue is not browser or device specific but due to customers with multiple products at Capitol One ( e.g a bank account and a credit card ).
Consumer complaint received 2021-02-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, my wife and I opened a checking account at a local branch of Bank of America at XXXX XXXX  XXXX  XXXX, XXXX XXXX, CA XXXX with an initial deposit of {$100.00}. 
On XX/XX/XXXX, my wife 's brother sent a wire transfer ( gift ) of XXXX ( {$5800.00} USD ) to our Bank of America account from XXXX. 
On XX/XX/XXXX, we used {$5600.00} of the balance to make payments towards credit card accounts. 
On XX/XX/XXXX, a security hold was placed on the account by Bank of America, resulting in a subsequent overdraft of {$880000.00}. Upon notice of the " overdraft, '' I contacted Bank of America by phone at XXXX XXXX  and after speaking to XXXX, XXXX, and XXXX, was told that there was a " XXXX  hold '' that was to allow " the wire transfer funds to clear, '' and that the hold " should be lifted within 7 days. '' On XX/XX/XXXX, I called again ( XXXX XXXX ), and after speaking with XXXX, XXXX, and XXXX, was again informed that the hold was still pending. I was referred to the bank 's fraud department and multiple attempts to transfer my calls to the department were dropped and subsequent direct calls to the referred number XXXX XXXX XXXX XXXX, were also dropped. XXXX indicated that the bank had the right to hold funds they deemed " suspicious '' indefinitely and without explanation or notification of the account holders. 
As of XX/XX/XXXX, I am unable to resolve this issue with Bank of America or to access the funds in my account.
Consumer complaint received 2021-02-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (CT)

I had a vehicle loan with Ally Financial. On XX/XX/XXXX, I called the company to request a pay off amount so I can send them a check to pay the vehicle off. I was told that I would need to send a Bank Check, in the amount of {$7500.00}. I went to XXXX bank and requested a Bank Check in that amount and I sent it NEXT DAY ( USPS ) to Ally Financial. According to XXXX Bank, Ally Financial deposited the Bank Check into their XXXX XXXX XXXX account on XX/XX/XXXX. I contacted the company ( XX/XX/20 ) to find out when the title would be released and was told that because it wasn't a CERTIFIED CHECK, it would take 10 business days to clear. I requested that my call be sent to a Supervisor and when it was, I was told that O would be contacted by a member of the Customer Relations team within 3 business days. I was contacted by a member of that team and was told that he would need to " look into it '' and he'd get back with me. XX/XX/XXXX we spoke and XX/XX/XXXX we spoke. He informed me that because it wasn't a CERTIFIED CHECK, there would be the hold placed on the check before the title could be released. I asked to speak with his supervisor because I was informed by XXXX Bank that an Official Check is the same as a Certified Check, in that, in order to have an Official Check issued, cash would be needed to have that issued ( just like a certified check ). He then informed me that " he would need to look into that ''. In the mean while I had spoken to XXXX XXXX and I explained the situation to her. Fast forward to Friday XX/XX/XXXX. In speaking with XXXX XXXX, she informed me that the title was going to be XXXX shipped to me, via XXXX  and that XXXX would be calling me with the tracking number. He never contacted me. I waited 2 days and called BOTH ( XX/XX/XXXX ) JT and XXXX to find out where the title is because it's been 2 days. No response. I called Wednesday XXXX XX/XX/XXXX XXXX, two times ( once at 8:35 and then again at 11:46 ). I received a phone call back from JT stating that the title wouldnt be released until TODAY ( XX/XX/XXXX ) and that I wouldnt have the tracking number until this afternoon. 

Ally Financial has had my title and my cash since XX/XX/XXXX XXXX the date they deposited the Official Check ). They representative should have told me, when I contacted them on XX/XX/XXXX that a CERTIFIED CHECK is what is needed to have the title released immediately. They have refused to communicate with me, providing me with information, regularly, unless I call. The phone calls are recorded so I am sure that you would be able to hear the conversations. My frustrations with this organization and how they conduct business is unacceptable. I am sure that I am not the only person that they have done this to. For them to capitalize on the fact that they dont release titles, all the while tying up a customers monies for weeks on end is unacceptable.
Consumer complaint received 2021-02-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2020I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the wrong persons hands.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX