davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I have 42 transaction that were removed from my PAYPAL account over the span of XX/XX/XXXX through XX/XX/XXXX where the transactions were cancelled by the service provider, however, the funds were still removed from my accounts and never returned. I never thought that if the transaction was declined by the provider to look into my PAYPAL account and make sure that they were actually removing the funds. I assumed just like a bank they are responsible to refund money if it is not being utilized or it is cancelled in the the transaction. All 42 transactions clearly show they were cancelled by the provider ( XXXX  XXXX ). However, the funds removed from my accounts were never refunded to me.
Consumer complaint received 2024-03-13
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. (WA)

My privacy is being violated by XXXX, TRANSUNION & XXXX, these company 's are reporting personal information, accounts, and one inquiry that is reporting inaccurately on my consumer report, this is identity fraud as I the consumer, did not consent. In pursuant to 15 USC 1681b2 these company 's are violating my privacy rights and consumer rights. In addition, XXXX, TRANSUNION & XXXX are also reporting late payments, on my consumer report accounts violating 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ). Also, after further investigating further it looks like XXXX, TRANUNION & XXXX deleted accounts off my consumer report, claimed to have done a proper investigation and then reinserted the deleted accounts back on consumer report resulting in even more discrimination. This is a violation of 15 USC 1681a ( e ) as these company 's do not have any right to perform an investigation. and violated my rights are the consumer and natural person, as I did not verify the accuracy of these items 15 USC 1681 i ( 5 ) B ( i )
Consumer complaint received 2023-07-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I am writing to bring a concerning issue to your attention regarding my home equity line of credit ( HELOC ) with Bank of America. To my dismay, I discovered that my HELOC was abruptly cancelled without my consent, and what is even more disheartening is that I received no prior notification about this decision. My attempts to seek clarification from the bank have been met with unresponsiveness, as they provided no information regarding the cancellation. Despite being told that my query was submitted, I have not received any updates or explanations for several weeks now. Once again, upon reaching out for further clarification, I was met with silence, leaving me deeply troubled and concerned about the violation of my rights as a consumer. 

I would greatly appreciate your assistance in investigating and resolving this matter promptly. Thank you for your attention to this issue.
Consumer complaint received 2023-05-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I purchased a vehicle on XX/XX/XXXX  and the dealer did not provide me with the required disclosures at the time of the transaction, and as a result, I was not aware of my right to rescind the contract within three days of signing. I have since learned that the dealer was required by law to provide me with the disclosures, and their failure to do so has extended my right to rescind the transaction. The total downpayment amount was {$5400.00} paid in cash with {$29000.00} being financed. I have since paid a total of {$6600.00} towards this contract.
Consumer complaint received 2019-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I had a vehicle loan ( for lease ) with XXXX XXXX XXXX together with my brother ( he was co-signer ), and the account was paid on time throughout the lease term. It was opened in XXXX and should be closes in XXXX, but, unfortunately it is still showing open.
Consumer complaint received 2019-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NY)

My application for an XXXX Mastercard was denied, presumably in part because of the incorrectly low credit score listed in the adverse action notice. When I called Sychrony Bank to ask for an explanation, as I have excellent credit, with a score above 830 and more than {$200000.00} on deposit in a Synchrony Bank savings account, the phone representative was unable to give any more insight as to why the bank denied my application on the basis of weak credit. 

The adverse action notice lists XXXX XXXX as the source of the credit report. XXXX is not, to my understanding, a standard credit reporting service and does not have access to information that would be standard for FICO, XXXX, XXXX, etc. The adverse action notice listed my credit score as XXXX, which is more than 150 points lower than all the scores I have been monitoring through other bank account relationships ( XXXX XXXX XXXX and XXXX for example ). 

As one of the nation 's largest banks, with reportedly more than {$79.00} XXXX in assets, it strains belief that XXXX uses only the non-conventional, non-standard XXXX XXXX to access prospective customer credit information. 

These facts suggest that Synchrony did not believe I would be a profitable customer ( in terms of spend and balances carried ), so used the XXXX pull as a means for denying my credit application. 

I am filing this complaint because I think my experience with this credit application may have exposed a bank practice by which certain customers with excellent credit are denied under the pretext that they have insufficient credit. These customers are harmed because they go through the time and trouble to apply for credit, have an inquiry made to their credit reports, only to have their applications quickly denied.
Consumer complaint received 2019-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Deposited check on XX/XX/2019 appx. XXXX, {$2800.00}. 
Checking account showed available balance of that check as of next day, XX/XX/2019. I did holiday shopping, paid bills and paid mortgage on XX/XX/2019 and XX/XX/2019. XX/XX/2019 I received an email appx XXXX stating the funds were held from the check I deposited. I contacted the bank and they stated the only thing I could do is get a notarized statement from the maker stating the transaction and its details are valid. Maker of the check is on Holiday with their family and I cant find it in me to ask them to draft such a letter, get it notarized, then fax to me. Furthermore, when I contacted the bank a representative assured me that my mortgage had posted, even though I didnt see such a thing in my banking mobile app records. Now, as of XX/XX/2019, the mortgage company is attempting to collect on the wire that was already sent. I just bought my home and do NOT need any late payment history. I also spent a few hundred dollars at local stores in town that likely havent been paid yet. I have processed hundreds of thousands of dollars through my bank via paychecks over the past few years. Now Im stuck to incur the potential late payment fees? Show my face to people in my small town who thought that since my debit transaction was approved they were going to be paid on time? Live off of credit cards for the next week and incur that interest? All because I deposited a GOOD check .... the maker of the check confirmed his bank had paid the funds in full to my bank. Why dont I have my money?
Consumer complaint received 2019-12-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MN)

XX/XX/XXXX, we purchased our current home. Our mortgage broker provided us an 80/20 loan. The 80 % portion was financed through XXXX XXXX, and is current. 
The 20 % portion was originally through XXXX, which was provided at 9.9 % interest for 15 years. Approximately XXXX, that portion was sold/transferred not sure which, to SPS Servicing. My account information with them shows that my loan Maturity date is XX/XX/XXXX. I called on XX/XX/XXXX and was informed that on XX/XX/XXXX, I would need to pay the remaining balance, of which would be near {$37000.00}. 
My concern is that I have made to date 154 payments at {$370.00} per, or roughly {$58000.00} on what was originally a {$43000.00} loan. I find this highly suspect, as I was informed that of the {$370.00} payment, Im still paying near {$300.00} in interest after 13+ years. 
How can companies get away with this?
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX trans union and XXXX still have not fixed the issues on my credit report my score was XXXX before they reported multiple inaccuracies on my report I have excellent payment history and I also have verification to prove they are not reporting accurate info this goes against Fcra guidelines and needs fixed XXXX XXXX is fraud needs deleted and removed from report XXXX XXXXXXXX payment history is on time and never missed Student loans are fraud and not mine needs deleted and removed form report ( Student loans have been on there over 7 years anyway ) have them remove it it goes against fcra guidelines XXXX is paid off account was never late once that is inaccurate Credit strong is excellent payment XXXX is excellent payment And they did not report my account ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX is not being reported which is an account I had for years ) I am a XXXX individual I do not appreciate the credit bureaus for how they have attacked me for the last year and I would appreciate if you also will help fix this situation I will be in touch with XXXX XXXX on this matter because what the credit bureaus have done is discriminatory and Im tired of being attacked
Consumer complaint received 2023-12-21
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: OneMain Finance Corporation (MD)

I am writing to formally complain about unauthorized inquiries that have appeared on my credit report. This matter is of great concern to me, as it not only violates my privacy but also has potential implications for my financial well-being.
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

hello i am owner of XXXX XXXX sales i have capital one bank bussiness account from last 5years, and that account is my major account for my bussiness, i was buying some products with company called XXXX XXXX XXXX XXXX in texas , i did wire transffer to them and now capital one freeze my bussiness account, now i dont have any access to run my bussiness and when i called capital one they are not responcing me for anything, they keep saying your account is in investigation.
Consumer complaint received 2019-12-03
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: M&T BANK CORPORATION (GA)

Promissory note was sent to the company and accepted ... never returned, the M & T Bank is a third party, I have no bilateral contract with M & T Bank, does not have the right or authorization to foreclosure, they are not power of attorney because all previous power of attorney was revoked in XX/XX/2019, no right to assign, loan was bifurcated, violations of 15 USC 1692, fair debt collection practices act, the GAAP Act, Deceptive Trade Practices Act, the Georgia Residential mortgage fraud act by creating false document without authority and is the the original creditor, never loan any money or gave value to be able to attach to collateral, violation of UCC Article 9, request name and address of Original creditor by way of securitization transaction audit on mortgage for proof only. Not a party to promissory note. Talked with them and said they were waiting to accept the promissory not, never returned and is being traded because never returned and trying to steal my house in fraud. I will not accept any thing but a forensic audit from non affiliate of M & T bank, and cease and desist from debt collection or threats to sell my he without legal or equitable title as all power of attorney to able to create any Deeds to conveyance of my home. In accordance with 31 US 3123 the secretary of the treasury is supposed to pay all obligations of the public debt because u can not pay a debt with a debt instrument. And the note was sold illegally and not assigned.
Consumer complaint received 2015-10-16
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a Bank of America issued XXXX credit card.This card has been used monthly since 1993. Until this month, XXXX 2015, the card has always had a grace period. This month a {$25.00} late was assessed on the due date for payment. I have excellent credit and always pay in full each month. At this time, I am having a difficult time finding a major brand credit card with a 30 day grace period.
Consumer complaint received 2023-07-29
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. (MI)

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report ( SEE ATTACHMENTS ) Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " ALL THE COMPANIES '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

XXXX XXXX sent statement with statement coupons showing my address but I never received anything in the mail. XXXX is saying XXXX XXXX XXXX XXXX ( XXXX  ) is the servicer of these accounts, I'm confused which company is it? 
How can three different Companies report inaccurate information on my Consumer Credit Report? 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Deposited {$830.00} into my wells Fargo checking account debit card and the atm had a jam. Wells Fargo credited XXXX XXXX  into my account as a placeholder. They still have not given me back the remaining of my money. Called them two times and attempted to resolve the matter the first time they told me that I would have all of my funds back in 2 business days. The second time I called they told me to file a claim and I would hear back in XXXX business days. Wells Fargo will not give me access to my money.
Consumer complaint received 2023-05-11
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)

I have attempted to dispute this account several times with all 3 credit bureaus on many occasions. I have even filed a complaint with you guys once before as well. I have provided the bureaus with my FTC report, Denial letter, Police report, as well as their reporting errors as well according to all 3 reports. Last attempt disputing was XX/XX/2022, each bureau stated that account will remain on credit file and will be updated. If update was supposedly done, then why information is reflecting differently on each report?
Consumer complaint received 2019-01-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I'm listed as an authorized user on three accounts. All three are revolving charge cards, i am in possession of each card. On my credit report only XXXX has successfully uploaded these accounts to reflect the history and credit limits accurately. These accounts are a XXXX XXXX XXXX Cards rewards credit card, a XXXX XXXX XXXX XXXX store card, and a XXXX XXXX XXXX XXXX store credit card. I've reached out to each of these companies individually to make sure they were reporting me as a user and they confirmed that there were and i should contact the bureaus. I called both TransUnion and XXXX by phone, i've submitted several documents to XXXX  by certified mail, and fax, and and several attempts i was not able to be helped.
Consumer complaint received 2023-07-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Commencing on or about XX/XX/2022. I fell victim to a muti-layered scam operation orchestrated by XXXX ( the company ), with the design, development, manufacture, promotion, marketing, distribution and labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. After gaining a substantial amount of profit acquired from the trading transactions, it seems that the funds in the investment platform can not be extracted anymore as instructed by the scammers withdrawal process and was told to wait for a few hours and it will be deposited in my cryptocurrency wallet address, but it never came. It was a very frustrating ordeal since my hard eared money was all gone using their very precise manipulation of the market trading nodes that appear to be a bogus transaction. Money was transferred from my Bank of America account via wire transfer, and through an intermediary cryptocurrency platform XXXX  in the total amount of XXXX USD. ( XXXX successive wire transfers ). I lost my funds due to their misadministration and manipulation. Bank of America failed to protect me, and I failed to meet them halfway after so many tries to get in contact and ask them for help.
Consumer complaint received 2023-06-08
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act. The list of accounts below had violated my federally protected consumer rights and privacy and confidentiality under 15 USC 1681. 
I told XXXX, XXXX, and Equifax to reinvestigate theses Accounts : XXXX  Financial account # XXXX XXXX XXXX account # : XXXXXXXX XXXX XXXXXXXX account # : XXXX XXXX XXXX XXXX  account # : XXXX XXXX XXXX XXXX account # XXXX XXXX  as ( Orgingial XXXX XXXX XXXX XXXXXXXX ) account number # : XXXXXXXX XXXX ( Orgingial Creditor : XXXX XXXX XXXX ) account # : XXXXXXXX XXXX account # : XXXXXXXX XXXX account # XXXX 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 : Its 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 information any other adverse item of information, other than records of convictions of crimes which which antedates the report by more than seven years.

15 U. S. C 1681 ( A ) ( 1 ) a person shall no 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. Also they aren't even in compliance with metro credit reporting. I have Evidence to prove my case
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

Under the new law effective XXXX XXXX, 2017 any public record data must include Name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports with Equifax, XXXX, and XXXX.
The Bankruptcy identification number is : XXXX US Bankruptcy Court XXXX, Georgia XXXX
Consumer complaint received 2023-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd. (CA)

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 XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C1681 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 1681 c. ( 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. 1681 s-2 ( A ) ( 1 ) A person shall not fumish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate.