davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Subject : Formal Complaint Against Bank of America for Unauthorized Account Closure and Seizure of Funds Dear Sir/Madam, I am writing to formally lodge a complaint against Bank of America concerning the unauthorized closure of my bank account and the unjust seizure of {$10000.00} from my account balance. This action has occurred without explanation or justification, and it has been over two months since the funds were taken. Despite numerous inquiries, Bank of America has refused to provide any reason for these actions. 

Background of the Issue : Initial Account Activity : Since I am a XXXX I initially received a transfer of {$64000.00} from a client, intended for expenses related to necessary property repairs under an insurance claim. After spending {$34000.00} on supplies and payments to workers, I was left with a balance of {$30000.00}. 

Account Closure and Fund Seizure : Approximately one month following the transfer, Bank of America froze my account for over 2 month then subsequently closed my account. During the freeze, I managed to transfer {$20000.00} via XXXX on the advice of a bank manager who tried to get information about the account while I sat in his office but they wouldn't tell him anything and he was the small business manager. He proceeded to tell me to try and get as much funds out of the account as possible because it looked to him like they were going to seize my funds. One month later the bank seized the remaining {$10000.00} without providing any explanation or prior notice.

Lack of Communication and Transparency : Despite repeated attempts to engage with the bank and obtain a clear explanation for the closure and seizure of my funds, I have received no substantial response. I have also accessed my data from the XXXX XXXX XXXX  which revealed no information that might justify the bank 's actions against me. 

The sudden loss of access to my funds has severely disrupted my business, causing delays in project completion and financial strain due to the inability to process transactions and meet business obligations. 

Purpose of the Complaint : This complaint is submitted to request the Consumer Financial Protection Bureaus intervention to investigate this matter. The lack of justification and communication from Bank of America regarding the seizure of my funds and the closure of my account warrants a thorough review to prevent such unjust practices and ensure that appropriate measures are taken to rectify this situation. 

I am enclosing all relevant documentation pertaining to this case, including bank statements and correspondence attempts with Bank of America. I appreciate your attention to this urgent matter and look forward to your prompt response and assistance. 

Thank you for your support and intervention. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-14
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: CITIBANK, N.A. (NJ)

On XX/XX/11 Macys said they would do a limit increase but they needed to do a Soft Credit pull. I said ok no problem but if its a hard inquiry I FO NOT WANT IT. Macys assured me it wasnt a hard inquiry and now I see a hard inquiry.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (AZ)

I opened an American Express Gold Card and received a welcome bonus of XXXX XXXX. I earned an additional XXXXXXXX XXXX for a total of XXXXXXXX XXXX The credit card came with no set spending limit. 

On XX/XX/2024 I made a reservation from XXXX XXXX XXXX XXXX via AMEX Travel Services. AMEX Confirmation number XXXX XXXX XXXX XXXX number XXXX. I paid for the trip using approximately XXXX XXXX  and the points were deducted from my balance of XXXX. 

On XX/XX/2024 I booked a reservation to XXXX XXXX. Amex travel confirmation number XXXX XXXX XXXX confirmation XXXX I paid for the trip using approximately XXXXXXXX XXXX and the points were deducted from my balance of XXXX. 

On or about XX/XX/2024 I received a call and email from AMEX Travel letting me know that my reservations to XXXX XXXX XXXX XXXX XXXX  were being cancelled because I did not have enough available credit on my credit card. I was transferred to the credit card department and was told that American Express reduced my spending limit to {$9300.00} which was the approximate balance owed on the card, leaving me with no available credit. I was told that my credit card was assigned a credit limit of {$9300.00} and no longer had a no pre-set spending limit. 

I was then transferred to membership services and told that reservations are charged to your card and then you get a credit when using your points, usually within 48 hours. The cost of each ticket was approximately {$500.00} each ( approx. {$1000.00} total ) for which I had no available credit to cover. The points for each ticket was credited back into my account leaving me with my original balance of XXXX. 

I feel American Express violated UDAAP laws by not advertising that reservations using points must first be charged to your credit card before the points are applied to offset the charge for the reservation. 

I was essentially blocked from using my points for the two reservations unless I made a payment of approximately {$1500.00} because when my spending limit was lowered to {$9300.00} my balance owed on the card was already greater than that amount. 

I feel I should have been given the opportunity to use my points without having the available credit on my credit card. There was never any advertisement when I signed up that said the Welcome Bonus or any points earned can only be redeemed subject to having the available credit to cover the costs of the reservations. 

On XX/XX/2024, I called membership services and was given the option to transfer XXXX points to XXXX XXXX, a travel partner, albeit I preferred the points to be transferred to XXXX XXXX but the request was denied because XXXX XXXX is not a travel partner with AMEX. I currently have a balance of XXXX XXXX but those could not be transferred as they can only transfer in increments of XXXX XXXX. I was charged a fee of {$0.00} per point to cover federal excise tax which totaled {$62.00}.
Consumer complaint received 2023-08-18
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. (IN)

XXXX XXXX Equifax mortgage XXXXXXXX XXXX have put credit hard inquiries on my credit report that I gave no permission to and not responsible for. EQUIFAX REPORT XXXX XXXX Has put a credit inquiry on my XXXX REPORT IM NOT RESPONSIBLE FOR XXXX  XXXX XXXX and XXXX XXXX XXXX Has put inquiries on my account Im not responsible for I ask all be deleted
Consumer complaint received 2024-04-16
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (AZ)

I submitted several online support requests and rarely get a response, then I'm told they can't help me and give me no info or recourse. I'm told I need to verify my account, but they just ask for me to submit my giftcard info which I've done several times.
Consumer complaint received 2024-04-15
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (LA)

I purchased a vehicle in XXXX XXXX, Louisiana XX/XX/XXXX and recently reviewed the contract. The contract has my name spelled wrong, and according to Louisiana Law I was supposed to pay {$15.00} for notary fee and {$35.00} for processing. However I noted I was charged {$30.00} for notary fees and {$120.00}, my down payment of {$2500.00} was added to the cost of the car and should have been subtracted. The actual cost of the car {$16000.00} would almost double after payments were completed to $ XXXX a XXXX XXXX XXXX with XXXX miles. 
I did not authorize GAP insurance and the entire contract was signed with an electronic signature which I believe was added after I left the dealership. According to the contract I have the interest rate was negotiable, the vehicle has a GPS tracker and cant be resold/traded. 
The contract was given to XXXX XXXX by the dealership, with incorrect information. XXXX XXXX has not reported correct information to the credit reporting bureaus and tried to repo the vehicle without written notification required by the state of Louisiana. I have been harassed by XXXX XXXX by daily multiple calls from different numbers, some using my local area code. After reviewing the contract I believe there were deceptive actions, false information on the contract and miscalculations of the down payment/state fees.
Consumer complaint received 2024-04-13
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Google Compare Credit Cards Inc. (CA)

I purchased XXXX google play gift cards at XXXX reputable stores in XXXX XXXX. After sending them numerous documentation, they told me to contact my bank. I contacted and of course they told me they have nothing with google play gift cards. My old email address was XXXX and XXXX both at XXXX. Mu new email address is XXXX XXXX
Consumer complaint received 2024-04-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CrossCountry Mortgage LLC (TX)

My loan was transferred to Cross County Mortgage XX/XX/2024. First of all I'm XXXX living on a low fixed income. I bought my house using my housing choice voucher. My housing authority pays a portion and I pay the rest. When my loan transferred on XX/XX/XXXX there were a lot of kinks. It was not a smooth transaction. I couldn't even make my mortgage payment for XXXX until XX/XX/2024 and then I made two payments. The one for XXXX and XXXX. I was told not to worry about making my payment that I there was a grace period for 60 days and I would not be charged any late fees. Then I started getting emails and calls about missed payments. I haven't missed a payment once since buying my house and the only reason I was late is because the mortgage company was lost. I got a letter mentioning foreclosure and now they want me to pay them {$30.00} because the XXXX  drove by my house and did a property inspection because I was " late on my payment ''. I WAS NEVER LATE. I've already told Cross Country Mortgage that I'm not paying the {$30.00}. Just because they couldn't get and still don't have their shit together is not my fault. I owe them nothing and am paid up as is my housing authority. I'm XXXX, XXXX and have multiple heath issues I do not need this stress. My credit was even threatened today.
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I got a credit check notification from XXXX and XXXX saying that Capital One did a credit check on XX/XX/XXXX. I received the credit card in the mail box on XX/XX/XXXX, with no " congratulations for approval '' mail or emails. I also called and reported fraud on the same day ( XX/XX/XXXX ). The person that I was speaking to provided me with their name, agent number, and case number. The name that they has printed on the card was the name prior to legal name change ( XXXX ) Another thing ( I don't know if this is helpful or not ) XXXX notified me that my information was found in the dark web back on XX/XX/XXXX and XX/XX/XXXX, both of which were unknown websites, as XXXX stated.
Consumer complaint received 2024-04-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (FL)

I purchased a XXXX XXXX XXXX XXXX from XXXX in XXXX, FL during XXXX of XXXX for transportation to work. Due to credit issues in the past, I was aware my interest rate would be higher, however I currently believe I was the victim of a predatory auto loan. Upon purchase, I was made aware I was on a 72 month loan, with bi-weekly payments of XXXX and annual percentage rate of 25.072 %. Total amount financed was XXXX. As of XX/XX/XXXX I realized Ive paid XXXX in addition to my XXXX down payment, yet my loan balance has only reduced to XXXX - meaning I have paid XXXX in interest alone, in the last 7 months. Certain this was an error, I contacted Bridgecrest- and was informed my interest was daily compounding. The representative essentially agreed this was a predatory loan - and unless you work there youd realistically have no idea how these loans actually work. Upon reading my contract it does state daily simple interest however this was never explained to me in simple-to-understand terms and I feel the dealership and Bridgecrest prey on individuals in desperate situations. I then researched Florida State Law and saw the max interest on a car loan is 18 %, further confirming my suspicion this was a predatory auto loan. I inquired on this and was told to call their legal department. Upon calling their legal department I was laughed at and told I should have paid better attention at the time of purchase. Astonished by this reply, I am moving forward with a formal complaint. Attached is my conversation with Bridgecrest via chat.
Consumer complaint received 2024-04-19
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

My business card was fraudulently charged the following amounts and it was reported to the credit card on XX/XX/24 that all the following charges were fraudulent and card was cancelled. All of these charges were from the same company. Capital One has failed to refund the charges and is expecting me to pay the balance in full. 

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 XXXX XXXX
Consumer complaint received 2024-01-04
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Problems receiving the advance — 
Company: JPMORGAN CHASE & CO. (OH)

I have a refund loan check in the amount of {$6000.00} in check form from the tax office. I took the check to my bank ( chase ) I have been with them for over 3 years. I was told there was a hold and restriction on my account now saying there is a problem with verification, however they cant explain why there was an issue with the verification process. I was told by a chase supervisor over the department that has the restriction that I need to contact the issuer and have the issuer contact chase in order to have my funds released. Today is XXXX. It was deposited yesterday on XXXX and they told me I would have to wait til the XXXX of XXXX and that I still would need the restriction lifted to even use the funds even if they get deposited.
Consumer complaint received 2018-08-14
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. (MN)

I don't think you can help me, but wanted this on record. Maybe it will help other victims. I've had several problems with my Citibank card getting hacked even though I rarely use the card ( it sits in a drawer as an " emergency '' card in case something happens to the card I use almost on a daily basis and never had issues with ). After not going online and looking at it for over six months, I noticed there was an unauthorized charge on the account for {$35.00} made in XXXX or XXXX. Citi has blocked my account, so I can't even access it now for the exact date. I called them in the beginning of XXXX when I logged on and told them it was a fraudulent charge. For six months, they kept charging me a late fee without notifying me. I never received a statement from them and didn't know about the charge until I went online to check my statement ( with plans on closing the card anyway ). They stated they would have someone contact me, but sent this charge to collections instead. Citibank needs to be investigated thoroughly. I don't have any problems with my other card that I use for online purchases, purchases in other countries while traveling and just daily use. The Citi card that sits in a drawer somehow has constant problems. I think someone inside the company is selling customer information. I have over XXXX credit, so this really won't affect me, but I know there are other people out there struggling because of the shady practices at Citi. Please help these poor victims who are suffering from the abuses of this criminal company. Thank you.
Consumer complaint received 2023-04-19
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: Experian Information Solutions Inc. (FL)

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. 

Account name : XXXX Account numberXXXX has violated my rights. Or list of inquiries 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 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (RI)

I found erroneously reported information on my consumer report with XXXX. 

I had XXXX remove the information ( bankruptcy ) and Equifax is not removing the item from my credit report.
Consumer complaint received 2023-03-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have complained about XXXX XXXX in regards to a XXXX XXXXXXXX XXXX across Sport vehicle. Ive sent multiples complaints to XXXX, Equifax XXXX XXXX. This particular account still exists and shows XXXX responsible. This account was supposed to be removed from my file months ago and the credit bureaus did nothing. It took more than the 30 day time limit to correct the issue and they ( credit bureaus ) have done nothing. I feel like Im being discriminated against based on the color of my skin. XXXX XXXX. They refused to help in this situation. The Company already expressed fault in this matter. All I need the credit bureaus is to delete incorrect inaccurate information from my credit file. Its the law and they continue to break it. Im not sure whom to trust but Im tired of filing complaints after complete. I will keep doing this until XXXX heard. Thank you.
Consumer complaint received 2023-04-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (PA)

Made a {$20.00} gas purchase inside store. My account was charged {$120.00} my receipt said {$20.00} I contacted the store and was told by the merchant that was not his problem! I was unable to buy my daughter an XXXX dress and unable to purchase groceries. I did not pay at the pump. So why are they holding my money. It's been 4 days. They are still holding my money. The bank said the money was scheduled to be released yesterday but has not as of today 's date. I posted it in my neighborhood app only to find out that this is normal practice. I understand that a hold is necessary when you pay at the pump as was not the case. Please STOP these Gas stations from hurting ppl with financial hardships in my Communities all access this Country!
Consumer complaint received 2023-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (KS)

I sold a car the funds went to PayPal and PayPal has been holding my money for over two weeks I have no way to get access to my funds they said it because of the automated security system they can not over ride it. I can not send or withdraw or use with my XXXX wallet I am on the phone everyday for over an hour or two with them and they tell me the same thing everytime wait 24 to 48hr for system to update. I feel like they have robbed me
Consumer complaint received 2023-04-20
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. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting Act XXXX  account 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 has violated my rights. 

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 an account without my written instructions.