davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have never had a delay in available credit when I make a payment to my credit card. I made two payments to my credit card at XXXX. I paid {$350.00} and {$75.00}, and need to use the card right away. There is all of the sudden a delay in the available credit. Then, when I placed a call to customer service the person who picked up the phone at the XXXX number put their supervisor on the phone and the supervisor said " there is no way I can possibly help you at this time '' and did not even know when the payments would be available for use. I was also told that my line of credit is over the limit by more than {$75.00}, which it is not.
Consumer complaint received 2021-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was given a debit card from the Dept of Unemployment for a 3rd party Bank of America with no chip on it and I used it at a ATM during COVID Pandemic on XX/XX/2020 and then I was waiting on back pay from Unemployment did not know I finally got it due to that someone had copied my ATM card thru a reader at the ATM i used in XXXX, Ma and then went ahead and duplicated my card and made XXXX {$1000.00} different ATM transactions out of my account. I never lost my card or gave my pin to anyone. I reported this to the bank and police and the bank has not refunded my money still to this day. I have spent over 150 hours on the phone with the bank and claims and they still refused to refund the money even thu it was stated that there were issues at the ATM i used with other fraud victims. This has been a big problem with this bank for millions in a big XXXX fraud lawsuit court order to pay victims back I did not join this state wide lawsuit. I have been trying to get the money back my self. I have called all my state reps for help with no help in site, I have contacted unemplyment as well with no help as well. I am out {$5000.00} and I am over XXXX years old and this is horrible still now over a year long trying to get my money back with no sucess, I need help!!
Consumer complaint received 2019-07-26
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2019 My friend gave Me {$60.00} with his Bank card to my Bank card. 
So on XX/XX/2019 He lost his card There for he was force To cancel his card. 
So when he cancel the card His bank took it in there on hands In took my {$60.00} off my card In that when i told my friend to Call his bank in get my refund Back.we call in  they said we will refund Me .they didn't so we wait a week In the whole month of XXXX we called every day They will say we will refund u they never did So my bank told me to rech out to you guys We have captial 1bank on record with me my friend In my bank in his bank telling my bank they are going to Refund me THEY HAVE NOT .this has now made me fall Behind in my daily bills Rent, phone, credit, food personnel stuff. {$3000.00} behind Negitve impact on my credit For nothing we told this bank Several time to put the {$60.00} Back on the. Card in they keep Repeatedly saying they will in have not My friend has also put a complaint in as well This is not fare to me Or my credit this is My life
Consumer complaint received 2023-08-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

1. XX/XX/23 ; Deposited XXXX Check for {$24000.00} to account my Wells Fargo savings account and another {$24000.00} to my wife 's W-F savings account. 
2. XX/XX/23, XXXX XXXX., the bank sent email telling both the savings accounts and our joint checking account have been closed. 
3. XX/XX/23 ; XXXXXXXX XXXX. W-F representative said our account at XXXX can not be verified. 
4. XX/XX/23, few minutes later I called XXXX and were told our XXXX account is fine and has sufficient balance to pay both checks. 
5. XX/XX/23 ; XXXXXXXX XXXX. Called W-F customer service center but it was closed by then. 
6. XXXX processed both checks night of XX/XX/23 XXXX, XXXX XXXX XXXX sent emailed hold alert. 
8. XXXX ; XXXX a.m. sent email saying we have- {$24000.00} balance on my wife 's account ( meaning XXXX placed two holds in stead of one ), and - XXXX balance in my account ( meaning XXXX placed three holds in stead of one ). 
9. XX/XX/23 ; made an appointment with W-F banker and saw her at XXXX XXXX. She couldn't help because fraud center won't accept her call. 

These events caused nightmares for both my wife and me and delayed our vacation. W-F customer service representative said bank can close the account without any reason. They won't give details about the phone call to XXXX. XXXX couldn't find any record of call from W-F. They admit the placed too many holds on our account but no apology or compensation. No reason for closing our joint checking account which is open for about 37 years. I believe XXXX is not truthful when saying XXXX couldn't verify our account.
Consumer complaint received 2021-11-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MO)

On XX/XX/XXXX, I processed a purchase with a seller through Paypal, 2 hours later, the seller refunded the purchase because the order form has not been filled out correctly. The seller has issued refunds numerous times with other clients and paypal has always processed the refund the way it was received. However, paypal changed their default refund method to echeck which apparently takes 7-10 business days to clear the sellers bank and up to 30 days to be refunded to my account. I contacted paypal immediately when I noticed the refund was not processed right away. I have messaged them every day since XX/XX/XXXX and the seller has messaged them as well. They refuse to issue the refund immediately and hide behind this excuse. They get to hold on to my money for possibly a month a mower and make money off of me. Their representatives have lied about when the funds would be issued back to my account. I was told it would be on the XXXX and they told the seller that as well. The funds are still not in my account and they are back to saying it could take up to 30 days. Because of their size, they think that no one can fight them or do anything to hold them accountable for their deceiving business practices.
Consumer complaint received 2021-11-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Total visa account disputed multiple times across each bureau came back verified, but each bureau is reporting information incorrectly as has done for almost 2 years, has allowed creditor to put incorrect information on my report in violation of FCRA
Consumer complaint received 2021-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

during a transaction so some one in between the lines spent things and delivered data with no reflection on the account added. This is why the account in negative! 



Hello : Fifth Third Bank The account has malf 'd again and re-deucted some credits the next time around to reflect the already ducted balance transacted in the first exchange per transaction. Now the transactions are credit that is in the red as normal for XXXX ; and XX/XX/XXXX for replaced credit from the total in deposits and transfers positivity on XX/XX/XXXX a bal : XXXX Which I added and is devout for transactions I can't deduct because they aren't supposed to be negative charges instead they are positive charges to be placed back in the account related to the re-pend certain categories. I will revisit the bank tomorrow and forward this to an FDIC office for a report & review; name : XXXX XXXX XXXX, birthday : XX/XX/XXXX Acct ending : XXXX All positive deposits and transactions + : XXXX XXXX $ XXXX XXXX $ So I look funny in the face with a negative XXXX $ ; please call if you have questions about this account, I got fraud by your system ; now they want to close this account. As of today the account supposed to have {$3.00} XXXX but it's exhausted by $ XXXX and it's a brick wall rip-off because of most employees trying to help solve another employees problems. This account I got it's based on savings/supplies and donorship sponsors. Thanks thus " I need help fast ''
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my [ account/reference number ]. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

Since then, I have diligently contacted your company 's customer service department on [ list dates of previous attempts ] to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated.

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX/XXXX  XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX : {$50000.00}.
Consumer complaint received 2021-11-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

XXXX XXXX Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Social Security : XXXX Email : XXXX Reasons : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX  Account Number : XXXX Date Filed : XX/XX/XXXX Type of Account : AUTO LOAN Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Reason : THIS IS INACCURATE Account Name : XXXX, XXXX Account Number : XXXX DATE : XX/XX/XXXX Type of Account : AUTO LOAN Address : XXXX XXXX XXXX, NH XXXX XXXX Reason : THIS IS INACCURATE Date Filed : XX/XX/XXXX Account name : XXXX  Account number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, fl XXXX phone : XXXX Reason : THIS IS INACCURATE Account Name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, ia XXXX phone : XXXX Reason : THIS IS INACCURATE INQUIRY NAME : XXXX XXXX DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX  DATE : XX/XX/XXXX
Consumer complaint received 2018-09-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GreenSky, LLC (UT)

I was approved in XX/XX/XXXX for a interest free loan up to 12 months, but when I received my first statement ( XX/XX/XXXX ) it shows that my balance is the original loan amount PLUS the interest amount, and the monthly payment that is due is equal to the interest amount. The statement does state that if I pay the loan off by XX/XX/XXXX, then I will only owe the original amount without interest but the statement itself clearly shows that my total balance is the original approved loan amount PLUS the interest amount. 

To add to the confusion ... I made a payment which was greater than the interest amount but when I look at my account on line it only reflects a reduction on my account of the interest amount vs. the full amount of what the payment was made for. So the balance on my account is not reflecting the true balance. 

When I spoke with a customer service representative, she stated that everything is noted correctly. 

This company has a very deceiving mindset and they should correct the consumer statements and reporting practices. As this is very confusing to the customer and does not show a true representation of what the customer owes.
Consumer complaint received 2021-11-16
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. (MI)

Hello, To Whom It May Concern Ive been disputing the inaccurate account information, since XXXX, XXXX. The company has faild multiple times in responding, or verifying the debt. On XX/XX/XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon further research, on XX/XX/XXXX I asked the company XXXX in writing to verify this account. In which the account stated I owed a balance of XXXX dollars. After the 30 days I than demanded for this account to be removed from my credit report, due to the fact debtor creditor states their verification process was completed stating Ive made payments to this account. In which I have no acknowledgment of. XXXX XXXX also sold this debt to LVNV funding the company has than sold the debt again to Resurgent without my acknowledgment this company is also reporting inaccurate account information, such as payment status, balance due, creditor name, I feel as I am not responsible for this account. There was no written form of communication, contract or signature for the accused Derogatory account at all. According to the FCRA XXXX/LVNV/ Resurgent has violated my rights as a consumer and Im requesting legal action to remove this public record off my credit report.
Consumer complaint received 2021-11-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Between XX/XX/XXXX and XX/XX/XXXX I have filed a number of disputes regarding my students loans on the XXXX  credit report. Ive also contacted XXXX  XXXX XXXX regarding this issue and theyve reported in writing that there arent any disputes in their systems on my account. The initial dispute was filed to get the payment amounts updated. Once this information was updated correctly I was informed by a CSR that I would need to file another dispute to requesting the removal of the dispute language found in the comments/remarks section of my credit report. The dispute language has continually caused me to be denied for home loans resulting in more inquiries on my report. I have contacted Transunion and XXXX several times and they cant seem to solve this issue properly. I need this information corrected so that I wont be denied again.
Consumer complaint received 2020-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

I have my mortgage loan account with Dovenmuehle Mortgage Inc and I have been promptly paying all my installments in time, thru autopay. My home hazard insurance policy was expiring on XXXX XX/XX/XXXX. I intimated to Mortgage company about my intention to change the insurance provider on XXXX XX/XX/XXXX and they acknowledged receipt of the same. I chose my new home insurance provider XXXX and advised mortgage company to make payment $ XXXX/- to them on XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX. I had followed up with them on XXXX XXXX, XXXX XXXX and on XXXX XX/XX/XXXX for payment. Instead, they chose to pay hazard insurance premium of $ XXXX/- arbitrarily on their own to XXXX XXXX XXXX XXXX who insures properties only in NJ and PA states , where as my property is in TX state . When I lodged complaint with Dovenmuehle Mortgage, they are evasive, unreasonable and non-cooperative. When I insisted, they made another payment to XXXX. When I asked for refund of $ XXXX/- to my escrow account, they asked me to contact XXXX, where as XXXX  was not chosen by me and I really didn't know who XXXX  is. Upon my contact, XXXX team was also confused and advised me that they have not received any check/ payment from Dovenmuehle mortgage company regarding insuring my home property based in XXXX Texas . Further they advised me that they cover only NJ and PA properties and not TX properties. When I pointed all these errors to Dovenmuehle Mortgage Insurance team, they started harassing me that my home is under insured, whereas it is not. Mortgage outstanding is $ XXXX, while home is insured for $ XXXX.
Consumer complaint received 2022-12-17
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: EQUIFAX, INC. (NC)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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Consumer complaint received 2021-11-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

REFUSED TO COMPLY WITH FCRA 609 and 611 I have received letters from XXXX, XXXX and Equifax stating indirectly that they will not give the information that I requested under FCRA 609 and 611 XXXX has received multiple requests for Method of Verification under FCRA 611 ( a ) ( 7 ) and has not complied. Refuses to supply any documentation about their investigations and how they verified the information. Making all their reporting legally unverified information. These requests where received on XX/XX/2021, and XX/XX/2021. 

In addition, Equifax has received multiple requests for Method of Verification under FCRA 611 ( a ) ( 7 ) and has not complied. Refuses to supply any documentation about their investigations and how they verified the information. Making all their reporting legally unverified information. These requests were received on XX/XX/2021, and XX/XX/2021. 

Lastly, XXXX has received multiple requests for Method of Verification under FCRA 611 ( a ) ( 7 ) and has not complied. Refuses to supply any documentation about their investigations and how they verified the information. Making all their reporting legally unverified information. These requests were received on XX/XX/2021, XX/XX/2021, and XX/XX/2021, and XX/XX/2021 XXXX
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is reporting the wrong name on my credit report. I have never changed my legal last name to XXXX. My correct legal name is XXXX XXXX XXXX.