davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (WI)

Spoke to two individuals ( senior manager and manager ) at XXXX until XXXX on XX/XX/2018. 
I contacted IQ Data International about settling on an account they have of mine. They said my offer was to low and offered me 20 % off as settlement. I informed them I was not able to pay that at this time and would continue to save and call them in a couple months. The gentleman I spoke with said that he was going to see what else he could do and put me on hold. A woman come on and said that they had offered the lowest rate they could of {$2600.00} with a credit deletion and asked why I wouldnt take it. I explained I would not be employed for four months and could not commit to monthly payments on top of the {$1500.00} I was offering and that I would call again when I had additional funds. She told me that if I did not take the offer they had give me today that I would have to pay the full amount of {$3400.00} with no credit deletion. I told her I wasnt worried about the deletion, just that I had hoped to settle the account. She told me that if I didn't settle the account for the amount they were offering and take the credit deletion I would have a hard time getting a loan, finding a place to rent, etc. and that I would have to pay the full balance and that interest would continue to acrue. I told her I had spoken to a She said she'd been doing this a long time and that my credit would be effected. I told her that I was not able to commit and she stated she would notate my account that I was refusing to pay and she would take further legal action against my husbands gainful employment. 

I felt threatened despite having offered them {$2000.00} and monthly payments in XX/XX/XXXX that they refused. Now I have {$1500.00} and can not commit to monthly payments as my income will decrease during the summer. They also refused that and countered with offers almost {$2000.00} higher with a credit deletion. When I couldn't commit they told me my credit would be impacted, we wouldnt be able to rent or buy or get a loan and that she was going to take further legal action against our gainful employment. She also stated that they could call us repeatedly at home or work if I wasnt going to agree to the offer they gave.
Consumer complaint received 2023-11-17
Product: Debt collection — I do not know
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: GLOBAL SOLUTION BIZ LLC. (FL)

I have been harassed by this company Global solutions biz LLC. I've sent a cease and desist letter, they have ignored it. I have requested debt validation and company verification information and they haven't sent any verification.
Consumer complaint received 2023-11-17
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: Bread Financial Holdings, Inc. (CA)

New York and Company did not apply my returns to my credit card which turned into late fees. I've contacted the company several times, filed dispute requested letters that I am disputing the charges and they have not faxed, or mailed anything.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (PA)

I recently had numerous fraudulent charges come onto my Wells Fargo checking account that were clearly unrecognized charges and they were not able to help me or listen to me. As a result not only did they not provide assistance to get my money back they deemed my account a risk and force closed it after being loyal to them. They also promoted a {$250.00} checking bonus for opening the account if I met qualifying deposits ( which I did ) which was the whole reason I switched to Wells Fargo but they would not honor it.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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

Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a 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 2023-11-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP (AR)

I received an email stating that I opened an US band checking and savings account, which I did not do. I contacted US bank customer service, and it had different addresses for the accounts. I did not attempt to open any accounts nor provided my address and information.
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Monday XX/XX/. Attempting to make a deposit. Only 2 tellers working, limited assistance from other staff. Wait time is completely unacceptable ( up to 12 customers waiting in line; several got frustrated and left ). Bank of America consistently has terrible customer service. U.S. consumers deserve better. Thank you for your assistance.
Consumer complaint received 2023-11-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Creative Finance, Inc. (WI)

A loan was taken for payment of approx XXXX a month. Since the loan was taken on the car the company has continuously claimed we owe more and more each time. Even when a payment is made for a month they still tell us we owe more money within weeks and sometimes even days. The company adds a daily interest rate to payments not agreed on the contract and has used threats of repossesijg the car without following the state laws in which to do so. We have never been late however in XXXX we were told our car had repossession orders already on it even though no papers had been served or sent and that to get out of that repossession I would have to pay another month 's payment and that then another payment eould be due within 24 hours to stop the repossession from happening. I paid almost XXXX $ in 2 days and then was told another payment would be due within 2 weeks or it would go back into repossession. Even after over XXXX in payments in 3 weeks the repo company still contacted me and stated they were coming for my car. I just paid a full month 's on time payment Wednesday and was told again I would owe another month 's payment in 13 days. When I asked how they believe they r following the states statute for repossession they claimed they own the title therefore own the car and can do what they want. The amount owed on the loan now is so high that I can't even sell, trade or use my car to get our from under the car and at this rate I will be forced to bankrupcy or homelessness if this form of collections doesn't stop.
Consumer complaint received 2023-09-04
Product: Credit reporting 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. (TX)

inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  unauthorized individual gains access to my personal information, such as Social Security number and driver license, and uses it to open fraudulent accounts and also make unauthorized purchases., my credit report show unfamiliar credit inquiries, accounts, or outstanding debts that i did not initiate. list of unauthorized account i did not initiate are give any permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-23
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. (AZ)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX
Consumer complaint received 2017-05-02
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc. (CA)

This is a follow-up to a prior complaint I filed with the CFPB - complaint #  XXXX . I filed that complaint on  XXXX   XXXX ,  XXXX .     In brief, I am th e administrator of t he estate of my late mother,  XXXX   XXXX . She took out a reverse mortgage in  XXXX  with Reverse Mortgage Solutions , Inc .     My mother passed away in  XXXX   XXXX , and I was name d administrator lat er in the year.     In  XXXX   XXXX , the estate paid off the reverse mortgage, and paid more than was actually owed because  Reverse  Mortgage Solutions di d not give us a final payoff statement until foreclosure was imminent ; given this, to avoid foreclosure, the estate purposefully paid more than we had been told  may  be owed. This worked ; the estate paid the loan in full ( and then some ), no foreclosure occurred, and I have received the cancellation of the security deed.     After the loan was paid, I contacted Reverse Mortgage Solutions several times, asking both for reimbursement of the overpayment amount and for an itemized explanation of some late-appearing charges on the eventual final payoff statement. The company ignored these requests, so I filed the  XXXX   XXXX  complaint.     On  XXXX   XXXX ,  XXXX ,  Reverse Mortgage Solutions  replied to that complaint, and separately sent me ( as  administrator f or my later mother 's estate  )  a check for {$6300.00}, which apparently is intended to cover the amount the estate overpaid to pay off the loan ( which was {$2400.00}  )  as well as the apparently changed calculation of costs and fees the company claims were owed.     But I have several remaining questions.     The company 's response now itemizes the costs allegedly incurred for 'corporate advances ' and 'outstanding fees and costs '. Initially, these charges are very different than those shown on the  XXXX   XXXX  payoff statement, yet are offered as dispositive now without any explanation for the changes.     Beyond this, the biggest line item under 'corporate advances ' is a charge for {$1700.00}, purportedly for taxes paid by RMS on behalf of the property owned now by the estate. Although the itemization does not specify what taxes were supposedly paid in this amount by  RMS  for the estate, it is the exact amount billed by  XXXX   XXXX , Georgia in  XXXX  for property taxes owed on the property, so presumably represents that amount.     But the estate paid that bill. See the attached check, showing a payment in that exact amount by the estate to  XXXX   XXXX  on  XXXX   XXXX ,  XXXX .     Thus,  RMS d id not pay that bill for the estate, and can not seek reimbursement for it from the estate.   RMS  owes that {$1700.00} to the estate.
Once RMS responds to this point, I can address the other questions. Thank you again for your assistanc  e in resolving this matter.      XXXX   XXXX
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CO)

Absolutely discusted with Wells Fargo and the scam they are guilty of for incorrect auto loan payments and house loan payments among other scams they have been found guilty of in a class action lawsuit keeping my credit rating labeled as junk in the low 500 range for 4 years and costing me $ 1000s in interest rate charges required down payment etc..

I'd like help getting paid from the settlement as I've only received a shotty short apology letter for any inconveniences this has caused with no mention of payback
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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. Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX  XXXX XXXX XXXX Act Name : XXXX  XXXX, XXXX Act Name : XXXX, XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. To Whom It May Concern, I am writing to dispute a discrepancy that I have discovered in the PAYMENT HISTORY section of my credit report related to the following account : XXXX I have noticed that this account is still being reported as having a payment history each month when it should not since this account is being closed. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights Act Name : XXXX  XXXX XXXX, Inquiries : XXXX XXXX, Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 )
Consumer complaint received 2023-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GA)

Attempted to withdraw funds from my PayPal account to my bank account. Transfers typically take 3-5 business days. However, after 6 days have passed, the funds are not still not available in my bank account. It is currently XX/XX/2023. 

PayPal Transaction ID : XXXX Trace # XXXX Date of deposit : XX/XX/2023 Expected posting date : XX/XX/2023 Amount of deposit : {$130.00}
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/23, I notified Capital One that a bill payment submitted on XX/XX/23 for {$420.00} was not received by XXXX. Capital One provided a copy of the check ( XXXX ) dated XXXX payable to XXXX. XXXX reported that the check was sent to the wrong address ( XXXX XXXX XXXX, XXXX ) and was deposited in the wrong account ( XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ) . I filed another dispute with Capital One who declined the claim because their records indicated the payment was processed according to payment instructions I set-up in their XXXX XXXX XXXX . I have submitted three requests for Capital One to provide copies of their evidence indicating I changed the address for XXXX. Capital One continues to deny the claim without providing any proof nor resolution. The bill payment to XXXX was original created by me ( XXXX XXXX XXXX ) over 10 years ago without any changes. Capital One has processed over 120 payments to the same XXXX address without any incident until they upgraded and outsourced their bill pay system this past XXXX It is evident that the conversion resulted in the system defaulting to another address that XXXX uses for other cities, outside the XXXX area. The address change appears to be a system error related to Capital One 's conversion or internal fraud among their representatives. Capital One has security in place that sends an email notice when address changes are completed by customers, in bill pay. If I changed the address Capital One should be able to provide a copy of their system generated email notice. Since I did not change the address, I know Capital One does not have any proof, of such. In spite of 3 requests for Capital one to prove I changed the address ; they just continue declining my claims. All of my communication for the past month, have been with Capital One 's Call Center ( XXXX ) and an unmonitored email box ( XXXX ).
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MA)

I opened a XXXX XXXX  XXXX ending in XXXX ) in XX/XX/XXXX with a 0 % for 24 month promotional offer. I made a purchase at that time. In XX/XX/XXXX, I called the XXXX number provided on my credit card to ask if the 0 % for 24 months was still in effect for a purchase I wanted to make. I was told by the customer service representative at XXXX credit card XXXX XXXX ) that it was still in effect and that I could still take advantage of that offer. After being told that I could still take advantage of the 0 % promotional rate, I asked if they could increase my credit limit, which they did, from $ XXXX {$7500.00}, on that same day. I told the customer service representative that I would be making two separate purchases, so Citibank would be aware that there was no fraudulent activity happening. I made the purchases, XXXX for {$2400.00} and another for {$1600.00}. 
I called Citibank on XX/XX/XXXX to make sure that the 0 % promotional interest rate for 24 months was applied to those purchases because I did not see it on my credit card statement. They told me that the customer service rep who gave me that information was incorrect, and that I dont have access to that promotional interest-rate. According to the supervisor, I spoke to ( XXXX on XXXX XXXX ) there is absolutely nothing they can do, and I, the consumer am left to figure out how to pay for {$4000.00} that will be coming due in the next XXXX to XXXX  days. I would not have made the same purchase decisions had I known I was not able to take advantage of 0 % for 24 months. And I certainly would not have used my XXXX card for any additional purchases had I been informed correctly. 
It is not OK for a Citibank employee to give out mis-information to a consumer, that the consumer will then act upon, and that Citibank has no way to try to rectify the situation, and has no interest in trying to help the consumer. This is not only misleading, it is wrong.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In the XXXX of the year, I opened up 2 new savings account and a checking with Capital one. By the beginning of XXXX I had yet to receive my banking card and was only able to deposit money with a linked account from another bank. XXXX XXXX, XXXX, I deposited {$48.00} into the checking, {$40.00} into one of the saving, and {$57.00} in to the last savings account. By XXXX XXXX, and XXXX I was notified of fraudulent activities. On the XXXX, my original deposited {$48.00} was withdrawn. On the XXXX and XXXX there were deposits via ATM for {$980.00} and {$430.00}. I reported these transactions to the fraudulent department. XXXX XXXX  I went and checked my account to see that the money from my locked accounts were being sent out via check and the number I received to call would not call back even after numerous voicemails left. Last few days of XXXX I was finally able to speak with a representative since I had yet to receive the money taken from my account. The representative told me that my accounts were closed and I wouldnt receive the money I had deposited into the accounts due to the bank not being able to determine which money was fraudulent. When I asked for more details they told me they couldnt give me any information on the accounts.