davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am my mother 's only POA now that my sister recently passed away in XXXX of XXXX. My sister had a joint account with Bank of America for my XXXX  mother to take care of her expenses due to her having XXXX XXXX XXXX XXXXXXXX and living in a memory care facility where she does not leave the property. After my sister passed I moved up to head POA with legal documents to prove that. I brought all the necessary documents to Bank of America and was told they would send to their legal dept to get approval to add me as a signer on this account. Well shortly after that the bank froze the account and refused to talk to me. I contacted an attorney as instructed because two case managers ignored my request for more information. My attorney sent letters to them approximately one month ago and have yet to hear back from them regarding a resolution to this matter. I am only trying to help pay for my mother 's care as she is XXXX  and unable to do so for herself. I think this has gone on long enough as it's been 4 months since the account was froze and put on hold.
Consumer complaint received 2023-01-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I purchased a XXXX XXXX XXXX in XXXX, financed through capital one auto. In XX/XX/XXXX I reported the car stolen. The police found the vehicle and it was impounded. My father was the main lean holder on the loan. My father called capital one and informed them that the car was stolen and it was impounded in result of that. Me and my father thought it was best if we surrendered the vehicle. So to our acknowledgment, we thought capital one was getting the vehicle from the impound. 4 years later, we found out the vehicle was never picked up by capital one. Instead they left the vehicle there and never informed us that they werent getting the vehicle. A month after being impounded the impound place applied for the title since the car was considered abandoned and then sold the vehicle. Capital one then reported in XXXX an increase in their amount. For 4 years they have been reporting {$10000.00}. Now they are reporting {$16000.00}.
Consumer complaint received 2023-01-24
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: Experian Information Solutions Inc. (NY)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-17
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. (TX)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Consumer complaint received 2021-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (TN)

I reported fraudulent transactions on XX/XX/XXXX from the XXXX XXXX. 10 days later, in violation of Reg E, they still did not credit me back. They then said, on XX/XX/XXXX, that " you have used this merchant before so it isn't fraud ''. Which is entirely false and egregious reasoning behind denying the claim.
Consumer complaint received 2021-01-15
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: ENCORE CAPITAL GROUP INC. (LA)

XXXX is reporting inaccurate information from Midland Credit Management , Inc. 
I have disputed this company previously on XX/XX/2020. I received a cease and desist via mail for filing a compliant before. This company tradeline is damaging my credit history reporting inaccuracies to my credit file.
Consumer complaint received 2023-01-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NM)

Paid {$44.00} through PayPal on XX/XX/23 and the person I sent it to turned out to be a scammer. On XX/XX/23 They asked for more money when I told them no they tried to scam me again. Told them to refund my money and they blocked me.
Consumer complaint received 2023-02-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One is placing holds on funds availability longer than the limit described in the USCODE -2010 title 12 chapter 41 ( Reg CC of the Federal Act - Expedited Funds Availability ), I deposited a cashier 's check in a branch with a Capital One teller on XX/XX/XXXX and the deposit receipt indicates funds will be available XX/XX/XXXX. According to Reg CC funds from deposited cashier 's check should be available for withdrawal not later than the business day after the business day on which such funds are deposited, which should be XX/XX/XXXX, or XX/XX/XXXX at the latest if the time of my deposit XXXXXXXX XXXX XXXX is considered to be after the close of business.
Consumer complaint received 2021-01-15
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. (MI)

Check my credit report today and I noticed someone use my information to inquire about some things that I never was aware of multiple times .. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX : reporting multiple times on each XXXX XXXX Equifax Anything reporting inaccurate with multiple dates & wrong information should be removed immediately as I learned the fai credit reporting act. 

Trying to do better in my life but how can I with all this wrong information on my report.
Consumer complaint received 2021-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX, I transferred {$19000.00} from my Paypal account to my bank account. Later that same day, Paypal informed me that they closed my account, but the transfer went through and my money arrived in my bank account. 

On XX/XX/XXXX, I noticed that Paypal had reversed and fraudulently withdrawn the money from my bank account without authorization. The money never arrived back in my Paypal account, though. It's now been 10 days and the money is nowhere to be seen. I have called and emailed Paypal 10-15 times and nobody has responded to my concern or investigated. My money has simply disappeared and nobody can, or will, tell me where it is. 

Paypal 's stated policy is that they can hold a balance in my Paypal account for 180 days after an account closure, however, this money was not in my account at closure. Also, the money was never returned to my Paypal account after they reversed it from my bank account, to be clear - so they are not holding funds in my Paypal balance, as there is no balance. 

Paypal 's policy also states they reserve the right to withdraw funds from my bank account in the case of a chargeback or dispute, if I do not have the money to cover the dispute in my Paypal account. There has not been a chargeback nor a dispute filed for these funds, and my vendor also never received a refund for this payment.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-12-16
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: Experian Information Solutions Inc. (WI)

Inquires on credit report that I don't recognize nor approved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-03-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Marlette Funding, LLC (CT)

A few weeks ago I received an email offer from best egg, for a pre approval of {$3500.00} and 0 % apr introductory rate for the first year. Since I am trying to lower my dependency on credit cards I signed up, thinking that I would transfer my credit card balances and just work on paying them all off. After I applied. I get an email saying that I only got approved for {$1000.00}. I figured I would go ahead and take it because something is better than nothing and its still a 0 % APR introductory rate for a year and I would just move over credit. Then two days before the credit card came in the mail and says the 0 % APR is only good toward purchases and not balance transfers or cash withdrawals. Well thats game over I dont want the card should not be on my report and I feel its false marketing? And canceled my card before activating it but I do not want to sell my report. They got me to agree for a credit check under false pretenses and then change the terms of the card and just not fair life is hard enough especially when youre on XXXX XXXX XXXXXXXX, or a income. I need help getting out of debt. I dont need more restraints to remain in debt.
Consumer complaint received 2021-01-15
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 (NY)

On XX/XX/XXXX, I filed a fraud claim for multiple transactions on my BOA credit card : XXXX {$42.00} XXXX {$180.00} XXXX {$37.00} XXXX {$36.00}. 

I immediately reported these transactions, and my card was subsequently closed. I was told the investigation could take up to 60 calendar days. However, my claim was rebilled to my credit card on XX/XX/2021. I didn't even see a reasonable explanation as to why my claim was denied. ( The representative I initially spoke with misfiled the claims and I had to call in again to add the additional fraud charges. ) I am being held responsible for these fraudulent charges, although my credit card wasn't in my possession during any of these transactions ( which I notably reported to the claim specialist at the time of my claim ). I did not consent, nor am I acquainted with the individual who stole my credit card and used it. BOA didn't do a thorough enough investigation into the matter and closed it without a sound resolution. I bear no responsibility for any of these fraudulent transactions.
Consumer complaint received 2021-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

With these specialists/leasers, this record had no record that consistently had a place with me. I have attempted a few times to reach them to request proof of proprietorship, however, they have not given me the imperative administrative work to show that I really own this record.
Consumer complaint received 2024-04-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (MD)

RE : Your letter dated XX/XX/year>. Loan # XXXX Dear SHELLPOINT Enclosed is your letter dated XX/XX/year>. 

It contains a number of misstatements. Some of which are : A ) This Loan # XXXX is a HELOC loan. Not a Primary Loan. 
B ) You letter incorrectly states : as required by your mortgage, your property must be kept continuously insured. CORRECTION : The servicing of this loan, and the documentation related to this loan, have never and do not involve ESCROWING for insurance or taxes. 
C ) Your letter incorrectly states : We have reached out to your insurance agent/and or insurance company and have been unsuccessful in obtaining a renewal or replacement policy. CORRECTION : You have not reached out to anyone with respect to my insurance coverage, because you do not Escrow for this coverage, and you do not know who provides this coverage. 
D ) Your letter states incorrectly : If we do not receive replacement or renewal coverage, we will order coverage at your expense. CORRECTION : You will order NOTHING at my expense. This letter serves to put SHELLPOINT on Notice that no expenses other than interest and principal shall be paid for by myself to SHELLPOINT, and only as expressly indicated under the terms of my original loan documents. 
E ) Your letter does not include a SHELLPOINT contact telephone number. It includes only a FAX number which appears intended to leave recipients of this letter with only the option of complying with the demands within this letter, regardless of their accuracy or legal standing. SHELLPOINT should include a proper reply telephone number. AND SHELLPONT should have called me, the borrower, instead of supposedly calling an insurer which you have no knowledge of.
Consumer complaint received 2023-01-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Marauder Corporation (MT)

On XX/XX/23 I saw that XXXX collection professionals reported a medical collection on my credit report. I promptly called to duscuss and confirm information. I did not receive any notices or mail prior and have not been provided copies of requested documents. I alose called XXXX XXXX and they advised they could do nothing although when i accessed my account in the last year the debit did not show as incurred or due on billing site. This is under {$500.00}, medical and there has been no help from either company in confirming debit. Credit dispute filed however no update other than amount confirmation received
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (KS)

I have placed a credit freeze on all of my credit bureaus. 

I am currently looking at my Experian account, and it states my account is susceptible to identity theft because it is unlocked. I clearly placed a freeze on my account. The last time it was lifted was when we applied to refinance our mortgage last XXXX. We unlocked it temporarily and Experian should have replaced the freeze on the account. 

It is important that all my credit bureaus remain frozen because I was part of the XXXX XXXX XXXX. Moreover, my employer, XXXX, recently informed me that someone tried to apply for unemployment benefits in my name.
Consumer complaint received 2023-01-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ray Klein, Inc. (AR)

Dates : XX/XX/2022 Amounts : {$93.00} ( now ) Actions Taken : I emailed and texted them telling them it wasn't my debt and that I had never received phones or service from XXXX XXXXXXXX but they continued to bill me and it kept adding up to the point of what it is now.
Consumer complaint received 2023-05-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

Due to currency issue, the fund USD XXXX can not be accepted in XXXX 's bank. 
I have requested to return the money with Wells Fargo Int'l wire transfer department several times, but they keep telling me it is proceed. The request was submit on XX/XX/28 I checked with Wells Fargo Bank in XXXX 's branch. They have already sent several messages to their branch in US but no response at all. Per Wells Fargo Bank in XXXX, they said they must receive a permission from their US branch in order to send the money back to US. Right now XXXX Wells Fargo is still waiting a response from Wells Fargo US branch. 
There is a lack of communication between their banks.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Bull City Financial Solutions, Inc (VA)

A name is listed that is similar to mine, but not mine. I have tried to have it removed bc there is debt connected to the erroneous name. I cant effectively dispute the debts without first removing the name. XXXX XXXX XXXX, is not my name -my middle name is spelled differently.
Consumer complaint received 2021-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

It was proven to XXXX XXXX XXXX XXXX ( XXXX ) that the debt they are trying to collect belonged to my deceased grandmothers home at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX They constantly called me even after I asked them not to because I had muy own account with them in good standing but they didn't stop. My grandmother passed away and because I was simply authorized on her account because she had XXXX, they threatened me that if I wouldn't pay they would put this on my credit. I told them that was illegal and now my credit had dropped over 40 points because of this. They hired a collections agency who was given all of the information they needed to not do what they did. I am filing a complaint both against XXXX collection department  and IC Systems because BOTH are responsible and engaged in illegal activity. When collection agencies or departments receive proof they are not suppose to just ignore it and cause hardship and suffering to people. The CFPB should also be using these complaints to investigate, especially because XXXX XXXX XXXX is operating a collections department and violating Fair Debt Policies.. I couldn't find their name as a company that we could file a complaint against.
Consumer complaint received 2024-03-28
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC (SC)

XXXX XXXX XXXX  say they are XXXX XXXX XXXX XXXX is on my credit report all three of them ( XXXX, XXXX XXXX ) saying that i have an open balance of XXXX and no one can give me the exact date the debt the breakdown of the debt of whats owed line by line or any of the contract information. Now theres this other company XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) who has a company called Dynamic Recovery calling and texting me.. 

Also, XXXX currently with XXXX as my cell phone company.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurately I had XXXX late payments on an account that I always paid on time. with XXXX XXXX credit card Upon conversation with customer service. They could not provide me with any substantial reason for that report. As seen on the attached document I have bot missed any payment since XXXX aside the false aligation. This customer agency needs to report with complete accuracy. I am requesting you investigate and provide variable proof with records showing that I had a late payment If this information can not be provided I demand this these late payments updated to be paid on time immediately. Thank you for your understanding and prompt action. Attached is a copy of my report ( XX/XX/XXXX ) Thank you for your understanding.