davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

XX/XX/XXXX I logged into my accounts and saw that they were blocked. I called Capital One and they said they closed them due to overdrafts that they allowed on my account. I asked about my direct deposits from my employer that would be sent to Cap One on XX/XX/XXXX and they couldnt tell me what would happen. I called back on XX/XX/XXXX ; XX/XX/XXXX and they claimed they did not have my direct deposits. They always have posted to my account on Wednesdays. I saw the amounts deposited today, XX/XX/XXXX and called Cap One again. I spoke with XXXX and XXXX in the Customer Protection Department and provided all kinds of information on my identity again ( this happened in all the calls ) and after 40 mins all they could tell me is that the " backoffice '' is investigating and they will release my money when they are done. They refused to put me in touch with the backoffice and also refused to send the funds to the XXXX checking account I have linked to my capital one account. Due to all of this, my car insurance has been cancelled, I have no money to eat, pay my utilities or put gas in my car.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX due to negative reporting on my consumer credit report. I the consumer was never given an option by XXXX to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore XXXX is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.
Consumer complaint received 2022-12-11
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: EQUIFAX, INC. (IL)

Equifax in Violation of reporting negligently and inaccurately information on my credit report Misleading False Reporting all account is negligently and inaccurately reporting failing to comply to 15 USC 1681I demand you delete these accounts from my credit report, I have listed below : 1. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY 2. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY 3. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY 4. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY
Consumer complaint received 2024-05-03
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Wolf River Development Company (OH)

I paid off my principal amount of XXXX on XX/XX/XXXX and they are trying to charge 500 % interest and he said intrerest was still accruing daily!!!
Consumer complaint received 2024-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

1. On XX/XX/XXXX a collection account was placed under my name from the company XXXX XXXX for a debt of {$450.00} originally credited by XXXX XXXX ... ... ... .2. On XX/XX/XXXX a collection account was placed under my name from the company XXXX XXXX for a debt of {$760.00} originally credited by XXXX XXXX XXXX ... ... ... ..3. On XX/XX/XXXX a collection account was placed under my name from the company XXXX XXXX for a debt of {$280.00} originally credited by XXXX XXXX XXXX ... ... ... XXXX.4. On XX/XX/XXXX a collection account was placed under my name from the company XXXX XXXX for a debt of {$660.00} originally credited by XXXX XXXX ... ... ... .5. On XX/XX/XXXX a collection account was placed under my name from the company Resurgent/LVNV Funding for a debt of {$880.00} originally credited by XXXX XXXX XXXX XXXX ... ... .All of the above collections are utility debts from energy companies based in Texas. I have lived full time in California for 25+ years and have never owned or rented a residence in Texas XXXX They are all falsely using my name.
Consumer complaint received 2021-03-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

XX/XX/2020 I was notified by Paypal that my account of 19 years was being permanently canceled due to my having used, fraudulent or stolen information when I opened my account. As I had had my account for nearly 20 years it seemed to me that there was an error that needed correcting. I contacted them by telephone that same day and was told that an appeal would be opened and that I could xpect to hear vrom them within three days. Having not heard back from them by Wednesday, XX/XX/XXXX I called again and was informed that the person with whom I first spoke was in error and that no appeal was possible. I have a cash balance of {$60.00} that they have impounded for a period of 180 days. I stated that I did not agree to that length as appropriate but the Paypal representative with whom I was speaking said it was in the user agreement. 

My position is that I have not violated the user agreement and they have not offered any proof that I have or even said specifically what the stolen or fraudulent information thay accused me of providing was. To accuse someone of providing stolen or fraudulent information is a serious charge. It needs to be backed up with facts and the person accused should have the opportunity to present any information that would be exculpatory. To make a blind accusation and use it as a predicate for impounding funds in their care is a dangerous prerogative they are assuming unto themselves. 

There is also the humiliation of being treated as a criminal after so long an association and to have scheduled payments suddenly not being met is deeply embarrassing. 
I believe I am entitled to a hearing to show that I have not acted in a manner as accused and that my account should be restored and their practice of arbitrary decision taking needs to provide for dialog in matters of disputes.
Consumer complaint received 2022-12-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had a credit card with Bank of America, that I haven't used since XXXX and don't know physically where it is. On XX/XX/XXXX someone used the credit card ( cash advance or something similar ) and opened and account in the XXXX XXXX XXXX XXXX {$12000.00} ( XXXX thousands dollars ). 
Bank of America DIDN'T CONTACTED me for that suspicious activity. 
I put a claim with Bank of America for the fraudulent activity claim # XXXX. 
Bank of America denied my claim alleging there is an account in the XXXX XXXX XXXX XXXX with MY NAME. 
Y contacted the XXXX XXXX XXXX XXXX and there is NOT AN ACCOUNT with my social security number. 
What security is Bank of America offering to their costumers? 
Is this a good banking practice? 
Thanks XXXX XXXX
Consumer complaint received 2022-12-11
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: EQUIFAX, INC. (FL)

I went to the dealer to check some cars and the seller told me to check if I was pre approved, he told me he would not pull my credit, It was just a soft pull. today I checked my credit there are many inquiries that I did not authorize, I did not signed for. Equifax : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX, XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LendingPoint Holdings LLC (TX)

Applied for a personal loan with several companies in XX/XX/2022 XXXX of the companies was Lendingpoint LLC. 
Did not accept their loan offer. Never signed any loan documents. Never received any loan funds. 
This company is now claiming I have a loan with them and it is delinquent. 
Disputed twice through the credit bureau. 
This is complete fraud.
Consumer complaint received 2022-12-06
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to XXXX and TransUnion on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If they do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX Balance : {$34000.00}
Consumer complaint received 2022-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX  XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 

15U.S.C 1681 section 602 A. States I have the right to privacy.

15U.C.S 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-11-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MO)

I sent RC/RESURGENT RECEIVABLES A certified verification letter on XXXX the company didnt sent original documents to verify debt they continue to hit my credit XXXX Debt Buyer Individual XX/XX/2023 Collection account. {$770.00} past due as of XX/XX/2023. 
XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CO)

This account ending in XXXX does not belong to me. It is currently reporting as a charged off account. My correct account with XXXX XXXX  is in good standing. I do not know where the charged off account originated from. I demand the erroneous account information be deleted immediately. 

Thank you for your assistance with this matter.
Consumer complaint received 2023-08-12
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. (GA)

Date of Notice : XX/XX/XXXX There is information on my consumer report that are the result of identity theft. I did not provide written permission or instructions for the identified items to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on a material misrepresentation by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction made by me the consumer! 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required by Federal Law to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the Date of this notice. Looking forward to your response. 

Thank you
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Logged into my online portal. 

shows " Your funds are currently not available for withdrawal. Please call us at XXXX. '' Called them 3 times but no-one is able to help resolve this. 

I can't access my money in accounts
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (LA)

Hello, my name is XXXX XXXX XXXX, and as i was looking threw my credit report ; I came across a hard inquiry from XXXX XXXX for a past due bill I payed months ago .please help me get this removed from my credit report as it was resolved a long time ago. 
Thank you, XXXX
Consumer complaint received 2022-12-06
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. (NV)

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. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX  I, 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 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.
Consumer complaint received 2017-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Saturday  XXXX   XXXX    XXXX   I received a check for {$2500.00} from  XXXX  of the largest  XXXX  financial services companies in the United States. I took it to my local branch of Bank of America and asked the teller if there was a way that I could access {$700.00} dollars from the check that day. The Bank  Manager ca me out and said that I could take the check to   XXXX   XXXX   XXXX   and cash it and bring the cash back and I would have access to the full {$2500.00} that day. I went to a nearby   XXXX   XXXX    XXXX   showed identification. They said that there was a hold on the check and needed to call the   XXXX    company. After about  40  minutes I spoke to an assistant in the Bank and asked what was happening. The  manager of   XXXX   XXXX   came out and said that they could not c ash the check and I needed to call the   XXXX   account to receive the funds sooner than  XXXX   XXXX  but that the check would be cleared on  XXXX   XXXX . I went back to Bank of America and the  manager s aid that they would need to call the Financial services company to clear the check on Monday  XXXX   XXXX . I noticed on  XXXX   XXXX  that the check had not yet cleared so I reviewed my account online. There was a note on the transaction. "  Deposit Hol d {$2200.00}  Total Amount d elayed available  XXXX  at  XXXX  PT. '' I called the financial services company. They said that they had not placed any special hold on the check. The help person there said he had never in his career heard of a bank putting a  2 w eek hold on  XXXX  of their checks and he suggested doing a  XXXX  way conference call with them.They said that the hold was placed by Bank of America. I called the Bank of America help line and was told that the  2  week hold was placed on the check by Bank of America as punishment because my Account had been overdrawn by about {$250.00} when I deposited the check. Bank of America has been for several months been holding my funds for more than a week when I receive payments through my online web site I believe in order to create bank charges which have amounted to hundreds of dollars.
Consumer complaint received 2022-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-04-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Last XXXX, I signed up for a credit card auto-pay at Bank of America. 
The auto-pay was to pay my credit card from my bank account. 

Last XXXX, I found out that my credit card was not being paid. 
I called customer service and they did not know of any auto-payment. 

I went to my local BoA to address the matter. 
The woman who helped me called customer service and came back and told me that they are investigating the matter. And in 2 weeks, that I would get a phone call w/ an explanation. 

2 weeks later, no phone call. No explanation. 

I called the branch and they did not know of any investigation or why I was told their was one. The woman who, told me their was one, did not work at that branch, she was just working at that location on that day. 

They gave me a number. I called. It was another customer service line. And they did not know about the auto pay or the investigation. 

I called the branch again, and they scheduled an appointment with me. 
The branch manager apologized and deducted that the auto-pay form did not go through the proper channels- and was lost and/or discarded. 

When she called the head offices and explain the matter, they put me on the phone with a rep. The rep said I was about to go to collections but they stopped it, and took approx XXXX dollars from my account and put it towards my card. 

The branch manager apologized again. And I left. 

What I did not know-at the time was that tmy credit card was shut off ( its a Bank of America card ) and that my credit scored suffered greatly because of their mishap. 

If possible, I would like this matter investigated and have my credit score reassess.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (GA)

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Collection {$320.00} XXXXXXXX XXXX XXXX Collection {$0.00} XXXX XXXX Collection {$3600.00} XXXX  XXXX ( Original Creditor : XXXX SXXXX XXXX  ) XXXX Collection {$3600.00} XXXX XXXX XXXX Charge-off {$11000.00} XXXX  XXXX Charge-off {$5500.00} Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.