davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Credit Corporation (OH)

I have had several amounts since XXXX charged without my authorization on Avant credit card. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Total {$180.00} Fees {$50.00} plus interest For XXXX transactions I was told I would have to pay in order for the charges to not show delinquent on my credit report and I will be reimbursed after investigation. No investigation ever occurred. I paid in order to not have this show on my credit. 

I since have never used this account once due to the lack of follow up and horrible service and secondly because I never recieved a replacement card for the cancellation of the first card. 

For XXXX I was so upset I refused to pay again for more and more expensive purchases that were not mine. I was told no worries and someone would call me back within 2-5 days to resolve. I did not pay awaiting a call that now 2 and half weeks later I still have no call from them and they still have done nothing to resolve. 

The company has since charged late fees and interest but said no payment will need to be made until dispute is finalized. Has not responded to any inquiries since XXXX. Has continued to transfer to outside 3rd party fraud company who has none of my information on file. I asked for account to be closed because of all of this. 

This company communication is horrible and Avant financial is completely fraudulent.
Consumer complaint received 2021-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2017-07-10
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC. (CA)

Recently received repayment information on this loan through CFPB and after reviewing such information, I noticed a few things that do n't sit right. Understandably, the company will charge a fee to collect and there will be interest to pay. However, ECMC has added there fees to my balance more than once. Looking at the paperwork shows that ECMC has tried to add collection fees 9 times ( XX/XX/XXXX {$5200.00}, XX/XX/XXXX {$5300.00}, XX/XX/XXXX {$4300.00}, XX/XX/XXXX {$4400.00}, XX/XX/XXXX {$3300.00}, XX/XX/XXXX {$3400.00} and XX/XX/XXXX {$2300.00}, XX/XX/XXXX {$2200.00} and XX/XX/XXXX {$1100.00} ) and removed them 8 times ( XX/XX/XXXX {$5200.00}, XX/XX/XXXX {$5300.00}, XX/XX/XXXX {$4300.00}, XX/XX/XXXX {$4400.00}, XX/XX/XXXX {$3300.00}, XX/XX/XXXX {$3400.00}, XX/XX/XXXX {$2200.00} and XX/XX/XXXX {$1900.00} ) while collecting additional collection fees monthly. If a collection fee is added in XX/XX/XXXX it 's removed in XX/XX/XXXX, if it 's added in XX/XX/XXXX it 's removed in XX/XX/XXXX except for the last collection/reduction fees which were in XX/XX/XXXX. ECMC is collecting additional interest on the added fees while they are posted but not making the corrections to said fees. So my balance should be around {$3000.00} ( minus the added interest from added collection fees ) plus the correct interest without the added fees to my balance and lets not forget ECMC additional collection cost of {$1000.00}. So I 'm guessing my balance should be anywhere around {$4000.00} ( includes collection cost ) plus interest which would include the most recent payment of about {$190.00} in XX/XX/XXXX.
Consumer complaint received 2022-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (CA)

On or about XX/XX/2022, I began receiving communications from Credence Resource Management regarding collections for ambulance services rendered by XXXX the previous year. The amount sought was around XXXX USD. I immediately contacted my then-health insurance provider, XXXX XXXX XXXX who informed me that per their agreement with XXXX, XXXX owed no additional monies and instructed me not to pay. 

I began receiving frequent calls from various phone numbers after this. In XX/XX/2022, I called one of these numbers back and found they belonged to Credence Resource Management, a debt collection agency. I informed them of the erroneous status of this collection and was asked to email a customer hotline images from the XXXX XXXX app showing that I owed no money. 

I sent this email photo proof on XX/XX/2022, and instructed the company to close the erroneous charge. Instead, the company replied that I needed to send them an image of my health insurance card, front and back, so Credence could call my insurance company and see if they would pay the balance. I informed them that the balance and my personal information is none of their concern as I provided written proof that I owed no balance and reiterated my request to have the illegal and erroneous collection halted and further informed Credence I would be filing a complaint with the CFPB as well as the California State Attorney General. I then called XXXX XXXX to inform them that the erroneous debt they had instructed me not to pay had been sent to collections and that the collection agency had refused to acknowledge the illegal and erroneous collection attempt. XXXX XXXX then contacted XXXX and informed me again not to pay. I then replied to Credence, sharing with them once again the proof from the insurance company that I owe nothing and should pay nothing. Credence responded that XXXX is seeking a full balance from me, and refused to acknowledge the proof I provided. I then informed credence I would be filing a complaint with the CFPB and Attorney Generals office and expected their compliance moving forward.
Consumer complaint received 2017-12-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (MA)

This issue has to do with the excise tax on the loan. There was a balance of {$35.00} for the excise tax which I was unaware of for several months. XXXX has informed me not to pay the excise tax bill until the abatement went through. The balance of the abatement and excise tax bill was {$35.00} and I never received a new bill informing that this {$35.00} balance was due. Instead of calling me or informing me of this balance XXXX quietly reported me delinquent for a {$35.00} dollar balance on the entire lease amount for the loan which caused my credit score to drop. These delinquent payments should be removed from my account.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (FL)

On XX/XX/XXXX, I received a bank teller alert on my messages from my bank claiming that someone had attempted to authorize charges on my account. I believed it to be a true alert since they knew my information and unbeknownst to me were impersonating XXXX XXXX, 2 minutes later I got a call from the Fraud department of my bank where I talked with someone who claimed to be a fraud specialist for about 20 minutes. They notified that someone in Massachusetts had attempted a total of 9 transactions on my account. 1 through XXXX and 8 through cashapp and for security reasons I had to directly authorize the transactions with the memo ( REFUND XXXX XXXX XXXX ) so that the bank would block them from processing and verify that I was not the one attempting the transactions, after asking many questions under so much duress and stress I believed this person to be truthful and complied. I authorized the XXXX payment. Then they asked me to verify my phone and email to conduct a personalized video call so I wouldnt have to share my information electronically which and gave me the name XXXX and XXXX badge number XXXX as insurance that they were a legitimate specialist. Fair enough I received a XXXX call a few minutes later where they instructed me to share my screen and go onto cashapp to directly authorize the remaining 8 transactions for security reasons. They assured me multiple times that my account balance would stay the same and even had me sign out of my online banking app because my account information was compromised. They told me to authorize the transaction and same as the XXXX to go to Pay and put the exact amount that was being attempted and to put the memo as refund with a different XXXX digit number each time. This all sounded legitimate at the time and I didnt pick up on any red flags until the transactions processed. After that they told me to log on to my online banking with a one time password that they provided but before I received the username they hung up. I proceeded to call back on the same Fraud department number where this time an actual representative answered and let me know Id been scammed. I immediately reported and requested the money on cashapp through the app support and blocked my card to issue a new one. I filed a dispute once the transactions cleared a week ago however the bank has decided to decline due to the transactions being directly authorized. I was told that nothing else can be done but to contact Cashapp or law enforcement. I called cash app support and they said the same thing as my bank. I am humbly writing to ask for any more help for what can be done because Ive been scammed of {$1500.00} and am in deep sorrow. I was also told to request a refund with the recipient which I did and obviously they declined it immediately because they are also apart of the scam.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VT)

I received an email on XX/XX/2024 that my payment on my credit card was past due for the month of XXXX. I enrolled in autopay so I was surprised by this. I tried to make the payment online but my bank that was set up for autopay was deleted so there was no way I could make the payment online. I had re-set up my external bank account for payments and wait for verification of trial deposits before I could make the payment. This is the same bank account as I've used in the past to make payments, the XXXX statement payment was made from this bank account. I called to find out why my autopay was deactivated, the representative could not give me an explanation. She said that the only that that could happen is if I - the customer- had asked to have it deactivated. I read her a notification that I found on my bank account that said that my autopay service was deactivated due to " a change in the status of my account '' and she told me that they deactivated it because I was late on a payment. The explanation made no sense as I was only late on the payment because they deactivated it. They then told me that my account is in good standing, so they could not explain why it was deactivated. The representative was able to waive my late payment and interest charges but I did not receive an explanation as to why Bank of America deactivated my autopay. I am also now noticing that they removed my phone number on file which i use for 2 step authentication. After doing some digging it appears that my autopay was disabled on the same day that I requested to have my personal checking account with bank of america closed. I was not warned that closing my checking account would result in deactivation of autopay. To be clear, the checking account i use for autopay is NOT the same as the account closed with bank of america, it is an external checking account. When I called to make the request to close the BOA checking account, I told them it was because I no longer had enough funds to meet the monthly minimum or direct deposit and I could not afford the monthly maintenance fees. I am submitting this complaint because I suspect BOA is doing this to other customers, deactivating their autopay without reason and unless a customer fights back, then they get to collect on late fees an interest charges. It also feels retaliatory for them to deactivate my autopay because I decided to no longer use their banking service for personal checking.
Consumer complaint received 2021-12-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (LA)

On XXXX XXXX, 2021, I sent money to a receiver via my checking account in the amount of {$200.00} with Paypal. I completed a similar transaction on XXXX XXXX, 2021 which was instantly transferred to the receiver. Yet, the XXXX transfer was not instantly transferred and it was processed as an XXXX First, Paypal does not give notification when money will be sent instantly or via XXXX. It does not give you an option to choose a different option if the money sent will be held or delayed. It was explained by XXXX of the customer service agents that it could take up to XXXX days to process. If the money clears sooner, the money will be deposited into the recipients account. On XXXX XXXX, 2021, the money cleared my account via bank verification from a XXXX from the banking institution. Documentation can be provided for proof. As of XXXX XXXX, 2021, Paypal has not processed or deposited the funds into the recipients account. The customer XXXX  responded with a scripted answer about it taking up to XXXX days. Their site states, " Your payment will show as pending until the echeck clears the bank. It usually takes up to up to XXXX business days for an XXXX to clear and the money to appear in the recipients PayPal account. '' The XXXX has cleared and Paypal has failed and refused to send the money to the recipient.
Consumer complaint received 2020-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (SC)

My husband, XXXX XXXX, has an account with XXXX XXXX XXXX. I do not have an account with XXXX XXXX XXXX. He had discontinued wifi service with them on XXXX. They've continued harrassing him with bills for continued wifi service which he did not have and for equipment ( router ) they wanted returned to them that he purchased from XXXX XXXX XXXX about 2 years ago ( they were claiming the router was leased which it was not, my husband purchased it ). He filed a complaint on XXXX with the XXXX  XXXX  XXXX of XXXX XXXX, GA against XXXX XXXX XXXX. The XXXX  contacted XXXX  on XXXX with his complaint. XXXX XXXX XXXX sent to my cell phone ( XXXX XXXX - XXXX ) a collection text message with the following message " please contact MRS Associates regarding an XXXX XXXX matter at ( XXXX ) XXXX. This is an attempt to collect a debt and any information obtained will be used for that purpose. MRS is a debt collector. '' The text message was sent from a number as follows : ( XXXX ) XXXX. I do not have an account with XXXX, so this collection text message sent to my cell phone was very possibly for an account belonging to my husband, XXXX XXXX, and not me. I am nowhere listed on his account with XXXX.
Consumer complaint received 2018-04-04
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. (MO)

I have a series of unknown inquiries on my credit report inwhich I have disputed before. With no tangible documentation for my sanity and/or records I'm constantly told to seek validation from elsewhere. However, according to the FCRA, if the accuser can not show substantial proof then the account and/ or inquiry shall be removed.
Consumer complaint received 2017-07-10
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

my Identity was stolen and personal information was compromise. I filed a police report with my local police Office, including the federal trade commissioner, I also set up a fraud alert with all the three credit Bureaus, ( XXXX, XXXX, XXXX ) I contact Capitol one but they could not trace any information. neither they would able to help me the issue please refer to credit report attach
Consumer complaint received 2018-04-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

On XX/XX/2018 I opened a Bank of America checking account and received an account approval letter. Please see the attached for the approval letter. After I changed my direct deposit information with the new account, Bank of America involuntarily closed my account without warning or notice. Since this is in direct opposition to account approval letter I did receive, this is fraud and outside of the terms.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (NJ)

Friday XX/XX/XXXX, XXXX I received many notifications about transactions I was not making. XXXX {$19.00}, XXXX {$5.00} total of 31 transactions {$200.00} customer service were not helpful and asked to dispute transactions on the app, which, I would have to do one at a time since its a 7+ step process. I thought it was insane and got very upset and asked to speak with the Representative XXXX XXXXXXXX XXXX s supervisor but he hanged up on me. 
I called back and spoke with XXXX a representative that was able to explain everything but we still have to do one by one me answering 7 questions per transactions. And Im not sure if why they were not able to catch these fraudulent transactions when they were so many, consecutively less than a minute apart. They told me this does not happen very often and I don't believe that is the case since, months ago, they duplicated 5 of my transactions.
Consumer complaint received 2019-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (FL)

XX/XX/XXXX {$3500.00} Deposited Cashier Check into Navy Federal Credit Union Account and cleared on XX/XX/XXXX XX/XX/XXXX and XXXX {$1600.00} XXXX Shipper Fee in 3 separate transactions So as it turns out I was scammed, I posted my vehicle to be sold online after negotiating a price with the buyer I receive the following response Sounds good, I would like to make an outright purchase but i'd be paying through cashier check as it comes from my salary account, I can add {$50.00} for holding it for us. The shipper pick up after check cashed and cleared at your Bank. Me not knowing what I know now I assumed this was just as good as cashed so I agreed. I received the check priority mailed and deposited into my account I advised the buyer, we agreed once the check cleared Ill send {$150.00} via XXXX for the shipper payment so they can pick it up and the rest XXXX response Good, Shipping fee as quoted by my shipper is added on the payment sent to you, You are to deduct your money + extra {$50.00} for holding fee and have the rest wired to my shipper, We will await payment clearance before pick up.Thanks and let me know if i can trust you to handle the situation. 
You split the money into two, firstly send {$900.00} and send the remain {$750.00} in few minutes now and get back to me with the screen shot of confirmation to me so that I could forward it to the shipper for the pick up ok. After having issues with my bank I was finally able to send the funds thinking this would be the best way as at the time I assumed XXXX provided protection. Later the seller stated something came up and could not go thru with the sell and asked I refund him I stated no sale is finally kept getting push back and at this point is when the radars went off. I called XXXX to stop the payments as it was pending couldnt do that called the bank to stop the payment that stated was already sent and nothing could be done until posted to dispute. Well I did the dispute and of course the bank declined it stating I sent the funds to the person. Even after explaining the situation, trying to get ahead of it, providing attachments of the ad and text conversation with the buyer it wasnt enough. I thought the bank was to protect me! Yes I sent the money but that was done because the check cleared an posted, i didnt know the funds would be available even though the check was not verified, why did the bank clear the check if it hasnt been validated? The bank misconception couldve avoided this. 

I will never use XXXX again, its like the intentions is to support the ones who are running these scams.
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (TX)

My account was paid in full and never late. For Apple CardXXXX Bank XXXX XXXX XX/XX/ 2020 amount {$770.00} and XX/XX/2020 amount {$780.00} was never late and the status of my account is reporting 60 days late, incorrectly!
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On several occasions over the last few month, Bank of America placed unauthorized charges on my Bank of America Credit card. I requested formally that Bank of America remove the unauthorized charges from my account. Bank of America did not find that I had authorized the charges to my account, but Bank of America refused to credit my account for the unauthorized charges to my account. 

The merchants whose charges were placed on my account never had access to my card number as I had never given this Bank of America credit card number to either merchant whose charges were placed on my account. Bank of America is acting contrary to law by placing unauthorized charges on my account and refusing to credit my account for unauthorized charges.
Consumer complaint received 2023-09-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (IN)

my account was closed for volating its policies. I asked what policies did i break that informed me they have no other information. The money that is in my crypto wallet was money that i had been using from my direct deposit from my employer to use as a savingings i have XXXX dollars in it and i can not get it out. They just keep gibing me the run around and saying the exact same thing or giving me the address to the directions on how to sell it but i do not have the option it says I cant do anything and when i tell them this they say well we have no other information on this. i have talked to support and to everyone no answer this is a nightmare