davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (TX)

I Applied For A Loan With One Main Financial Through XXXX XXXX. I Was Dealing With XXXX In The XXXX XXXX , She Said I Was Approved For A Loan Of {$8000.00}. I Submitted All Verification Documents, Bank Information, Lease Agreement, Drivers License. After Speaking With XXXX Briefly On XX/XX/2024 Around XXXX She Was Walking Me Through Some Identity Verification Through The One Main Financial Website, She Stated That She Got An Alert And Had To Call Me Back. 

After A Few Minutes I Got A Call Back From A XXXX Around XXXX In The XXXX XXXX One Main Financial XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX Stating That They Were Not Moving Forward With The Loan Due To " Suspicious Activity. '' XXXX Then Became Argumentative And Rude When I Challenged Her On The " Suspicious Activity '' Claim. 

So I Submitted Everything The Company Was Asking For And They Denied My Loan, This Is Discrimination. There Is Nothing Suspicious Going On, I Submitted Every Piece Of Documentation The Company Asked For And Something Needs To Be Done About This Because This Is Not Right.
Consumer complaint received 2023-06-28
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I purchased XXXX travel vouchers ( {$500.00} each ) with XXXX ( now out of business ) for ecotravel that gives back to the community it serves. The travel vouchers were to be used by myself and my XXXX adult children. I purchased the vouchers on XX/XX/XXXX, as a XXXX gift, with my Capital One credit card. 
The vouchers were to be originally used towards a trip to XXXX in XXXX, for myself and my daughter, and the remainder vouchers were to be used on a later trip, by my XXXX sons. The trip to XXXX was cancelled by XXXX, due to international covid travel restrictions. The company promised the vouchers would be available for later use, once the pandemic subsided. The following year ( XXXX ), XXXX experienced the worst of the pandemic and that crushed another planned trip with XXXX for us. XXXX reassured us that the vouchers would remain valid for future trips. 
The XXXX went into liquidation in the fall of XXXX, as they apparently invested the monies received for trips that never materialized in XXXX and lost millions of dollars that belonged to unsuspecting consumers, like myself. There will be no refunds for any of us, from XXXX, as it no longer exists. 
I sent a letter of appeal to Capital One in late XXXX, disputing the charges and requesting a refund. While the company investigated my appeal, they returned the {$2000.00} plus interest charged. They asked for further documentation, in order to continue the investigation and gave me a month to do so. At this time, I was traveling back and forth to help take of my XXXX father ( out of state ) and did not return the documents, in the time given. My father passed in XXXX and Capital One returned the charges to my account again. They suggested that I attempt to collect the money from XXXX, a company that no longer exists and is still in liquidation process. Capital One has informed me that my case is closed.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

I received a call from someone claiming they were with Chase. You're fraud department they said my card was compromised and that they were going to send me a digital card. I told them I didn't authorize anything. At the time this happened I was at work and at the time they stole all the money out of my account I was still at work. When I called Chase Bank and asked how they took the money out of my account. I was told it was taken out of an ATM 30 different times with a card from an XXXX that I do not own. I have never owned an XXXX I own a XXXX. I open the case with your fraud department and they denied me so I opened a second case and I'm still waiting to hear back if if the 2nd case. If the second case is denied I'm going to have to take legal action. I've attached documents to show that I was at work what money was taken and proof that I do not own an XXXX.
Consumer complaint received 2022-11-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

Since I was a graduate I have had trouble paying my loan. The company has since sold my account to another servicer who was subsequently sued for the practice as follows : instead of offering me any income based repayment options while struggling, they pushed me into deferment and forbearance until my loan is no longer manageable. The minimum due every month is five times what I was originally told my payment would be after graduating. While the company has settled in court to forgive the private loans it held for ther students, they told me my loan [ ffelp ] was ineligible as it was a " govt loan '' not " private. '' As recently as today they pushed me into another forbearance and told me unless I consolidate into a " direct loan '' there is no other option for me. I can't do it! My loan is over twice it's original amount and I see no way out of this unbearable weight.
Consumer complaint received 2022-12-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IL)

I made the mistake of doing 3 big ACH transfers to Coinbase ( $ XXXX each ) back to back3 days in a row. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, respectively. Coinbase accepted these payments no issue with out warning that my funds could be potentially locked up. ACH funds were stated to be available in 3-5 business days. I even got emails saying that these funds were now available for withdraw. My intention was to transfer off-chain as soon as possible, since I don't trust centralized exchanges anymore. 

It first started as a 14 day freeze, as they reviewed my " intentions '' They asked the following questions- Please explain your intended use of your Coinbase account - why did you sign up for Coinbase and what do you intend to use Coinbase for? 
- Were you directed by a third party to create the account? 
- Were you directed by a third party to transfer funds? 
- Does anyone besides yourself have access to your account, or account credentials. 

After responding I was told I would receive a response in 14 days Today I checked in with support and now my account is restricted until XX/XX/XXXX!!! 60 days from now! That's absolutely absurd, I've been given no reason as to why this happened. They can't speak about the details due to " security reasons. '' The exact response was " We've determined that your account is currently not eligible for a review at this time. However, you can contact us after [ XXXX ], and we can submit your account for a review at that time to lift the restrictions from our end. " So effectively my money is held hostage without the ability to link bank accounts, or close my account due to having a balance that I can't transfer. Account restrictions forbid adding deposit and payout methods.
Consumer complaint received 2022-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

First of, my English language is not fluent so a neighbor friend is helping me put into words what I want to say. She also helped me download recently a XXXX XXXX XXXX to monitor my credit because I have been a victim of identity theft before. And found out that there was another fraudulent account open and charges on an account that went into debt collection that I don't even have any knowledge of till 3rd quarter of this year XXXX. Called the debt collector company to inquire and dispute this account and they said the account in question was opened on XX/XX/XXXX with my name and social security but the address was of an old address where I used to live. I am currently living in a new area for about 4 years now since XXXX so that could not have been me opening that account and racking up whatever amounts it was stated it went up to without paying. I only have one credit card that i have opened and is currently still using which is a XXXX XXXX account. I disputed the collection on XXXX  and XXXX also and I just got back a response from XXXX that investigated and it was proven to be of fraud and that they are taking steps to remove this credit history collection off my XXXX XXXX XXXX. And Im still waiting on XXXX investigation to conclude. But I have called up the debt collection company ( Midland Credit Management ) and they told me I needed to write to FTC website about this and get an affidavit? which transferred me to this cfpb website and this is where i am at the moment. Thank you for helping me out regarding this matter.
Consumer complaint received 2022-12-30
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 (TX)

XXXX charged my Bank of America " Unlimited Cash Rewards '' Visa credit card {$5700.00} and I have requested a total refund from XXXX XXXX XXXX of the XXXX Billing Department and I have received NO services or merchandise from XXXX ; XXXX XXXX replied that he would be willing to authorize this refund to delete this charge of {$5700.00} to my credit card, but that he has NOT yet received any money from Bank of America and there is nothing to refund since XXXX has NOT received any of this money from Bank of America and that this amount of {$5700.00} should be removed from my credit card account.
Consumer complaint received 2024-04-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

On the morning XX/XX/year>, I was a victim of a XXXXXXXX XXXX call who pretended to be my bank ( Wells Fargo ). Unfortunately due to a comprise in my XXXX account my password was leaked and there was money withdrawn out of my account through this spoof phone call in the amount of {$1500.00} and the amount of {$80.00}. Soon after realizing my account was empty I called Wells Fargo within XXXX minutes and they confirmed with me it was a XXXX. That same day they submitted XXXX claims for both of those separate amounts and periodically emailed me updates about the claim status. On XX/XX/year> a provisional credit for the amount {$1500.00} and {$80.00} were credited back to my account. They emailed me saying about XXXX business days. On the XXXX of XXXX they deemed to take the provisional credit away of both {$1500.00} and {$80.00} leaving me- {$1300.00}. When I called into Wells Fargo XXXX XXXX they said that it was due to the face I lied about not knowing the merchant ( XXXX XXXX ). I clarified to them that I never stated that at all and that when I called to file the fraudulent claim, I stated that I did not recognize the XXXX separate charges of the {$1500.00} and {$80.00} to XXXX XXXX. Not the entire merchant. When I questions as to why they decided to take the money on the XXXX business day instead of the XXXX one, they claimed they mailed me a letter stating this which I never received. I called in demanded another copy via email which they said they cant do so now in another XXXX business days I will get the same letter to a new address. I called in today XX/XX/year> to appeal the denial of the claim and get the letter resent. I was transferred between XXXX representative and I recorded the call. They now have said they can not even claim the fraud and I have to go through XXXX XXXX. I requested to appeal the claim and they said theres Nothing to claim because I have to appeal through XXXX XXXX. I am upset by this decision and how only a month later was I informed I shouldve just claimed through XXXX XXXX which makes no sense. Why would they attempt to file a claim that couldnt be processed if they cant claim anything.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This is a copy of a complaint I just filed with the XXXX about Bank of America. I beleive it also shoudl be on file with the CFPB, which XXXX want to pursue its own investiation : Thank you for taking my complaint. 

This is part of a larger problem affecting Bank of America ( BoA ). I request that the XXXX investigate this to ensure the issue is resolved and that BoA take steps to ensure it does not reoccur. 

On XX/XX/2024, per my request, BoA cancelled a XX/XX/2024 online bill payment from my checking account ( {$2500.00} ) because the payee did not receive the check BoA had mailed her ( it XXXX have been lost in the mail ). In an online message to me, with case # XXXX, BoA confirmed the cancellation and said the cancelled amount would be credited bank to my checking account " within XXXX to XXXX business days. '' It is now XX/XX/XXXX, and the {$2500.00} has not been credited. ( Note that BoA has confirmed that the original bill-pay check has not been cashed. ) Beginning XX/XX/XXXX, I repeatedly have spoken to BoA representatives, all of whom have been very apologetic but at a loss to explain why the account hasn't been credited within the promised XXXX to XXXX days. XXXX assured me on XX/XX/2024 that the amount would be credited to account by end of day, which did not occur. The bank now tells me that it can not say when the account will be recredited and that this is part of a widespread problem! 

The representatives tell me that this is being caused by an issue with the " bill repayments system. '' A supervisor in the bill payments department, XXXX, just told me this morning that this problem is affecting many BoA customers. " It's a known issue for all our customers, '' she told me. " I can not give you a time frame. '' She told me that this was the sixth call she has handled about this problem just this morning. Earlier in the day, representative XXXX in the XXXX XXXX department told me that while accounts are supposed to be recredited within XXXX to XXXX days, he has seen this kind of delay many other times at BoA. " For me, this is not unusual, '' he told me. 

While I expect the money eventually to be credited ( I hope ), these delays and conflicting answers are not acceptable. BoA customers need access to their money, and this type of delay and misinformation can have serious consequences for someone who needs to make payments only to find their money held up indefinitely. I am requesting that XXXX investigate BoA and take appropriate action to ensure that money is credited back to deposit accounts in a timely manner. 

Please feel free to contact me. 

Please note : I am submitting a copy of this complaint and request for investigation to the Consumer Financial Protection Bureau for its records. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
Consumer complaint received 2022-11-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (IA)

I used to work for XXXX XXXX  XXXX. XXXX XXXX has records of XXXX XXXX 's abuse and XXXX affiliation. XXXX XXXX assaulted my son on the bus, threatened me where I lived, trafficked me, held me XXXX, and committed debt bondage with my credit. Under the Debt Bondage Relief Act, I do not owe the debts because they were incurred as I was being held XXXX and enforce disappeared for asserting my rights. I was being threatened with XXXX on petty state level felonies. XXXX XXXX. XXXX was apparently taking hush money from XXXX XXXX XXXXXXXX according to my law enforcement sources. They have to disclose to their shareholders that they enforced disappeared a XXXX  over XXXX XXXXreaties. I'm asking that they wipe the credit card debt. After I was held XXXX they threatened to take my property under 42 USC 3631 and have my kicked out of the neighborhood. They are also responsible for XXXX my father under the 14th amendment. They aren't permitted to use the 16th amendment under 18 USC 878 and debt bondage. XXXX XXXX screamed at me about how my credit was going to take a dive. The XXXX that held me XXXX has a record that is over 5 pages long. They also had my car stolen. I'm filing a restraining order under 18 USC 246 and these corporations are not permitted to violate their torts or 18 USC 1513. I need to be able to get this done in one phone call instead of just repeating myself. XXXX XXXX has most of the other records and he is not permitted to suppress any more exculpatory evidence. They just aren't permitted to report these debts to the credit bureaus anymore. The applicable law enforcement agencies should have copies. It is not my intent to commit fraud. I legitimately don't owe the debts under the law. They aren't permitted to deny my rights to an attorney anymore either. They aren't permitted to misuse their office for private gain.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (OH)

I purchased a couch through XXXX XXXX on XX/XX/2022. I applied for a credit card to purchase the couch. The credit card company is called Comenity. We were approved for {$1000.00} which covered the entire cost of the couch. Since XX/XX/XXXX, we have made ALL payments on time however, nothing has been reported to the credit bureau. When I look up my credit report, it shows that the line of credit is still being used at 100 %. That is not true because we have made payments on time every month. We called the company and the representative stated that As you know, the system had been down for 3 months. And that It is not their fault, its the credit bureaus fault. We paid another payment and nothing still has not been reported to the credit bureau, which is affecting my credit.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

Chexsystems has placed a freeze on my credit report without my permission. After several phone calls including being disconnected while being transferred I've been unable to resolve this issue without someone mailing me a pin # for an account I don't have. This will have an adverse monetary effect on my business. Why is a consumer report company have have me speaking to someone in the XXXX XXXX? Why can they not get this fixed via phone with all the proper information that I provided? How do I block them from having access to my personal information moving forward? If I do indeed loss revenue against my company who do I contact for reimbursement?
Consumer complaint received 2024-01-23
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: EQUIFAX, INC. (GA)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
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 2024-04-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (OH)

Received a letter in the mail form : Marcus by Goldman Sachs -- XX/XX/2024 It was an Online Savings Account Statement that I have never opened. 
I contacted the fraud dept. at Marcus and they said to submit an inquiry to FTC. I was told they closed the account, but I have not received verification for that. 
I asked them to send me an email stating that they closed the account, but they could not.
Consumer complaint received 2023-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (NC)

Someone opened an account with XXXX XXXX XXXX this year after I placed a lock on credit with credit agencies. I have never used or had XXXX XXXX and don't currently have electrical power in my name. Called company and they don't know what service address or the account that XXXX provided in a dispute doesn't show up in their system. 
Call made today XX/XX/2023 and amount in question is for {$390.00}