davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (IL)

On XX/XX/2023 I logged into my online banking with US Bank, to add a XXXX Contact, my son 's hockey team manager, so that I could transfer her {$300.00} to deposit into the XXXX XXXX XXXX ahead of an out of state trip for a hockey tournament. I added her contact email address and tried to proceed with the transfer. The bank prompted me to confirm the transaction since her email address is in her name but the account is in the Team 's name " XXXX XXXX '' I confirmed that I wanted to proceed. Nowhere was I advised that I had limited number of confirmations, or that I could be locked out of my account. In fact the error message I got was that the error was on the bank 's end and did I want to try again. Yes. So I attempted to do this a second time, from the online app for my bank, on my phone, and I was again given the error that the problem was on their end, and did I want to try again. This time I attempted to login to my online banking on my laptop, only to find out that my username had been disabled and I needed to call the bank. I called the bank immediately and was told that I was on a 48 hour hold for online banking while the bank investigated the issue- the issue I was calling them to tell them I did attempt to transfer {$300.00} to my son 's hockey team manager. I was also advised that they could not lift the hold, even though I was calling to advise them that this was a valid attempt of using my account. So now I have no online access to my money, we are leaving for an out of state trip Thursday, that I can't pay for ahead of time as required by the team ( they don't want checks or cash ), and I have no ability to correct this or see my money until after I will have arrived for my trip. This is ridiculous.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lending Club Corp (SC)

I have been striving to resolve a matter with Lending Club for weeks! Lending Club does not respond to previously filed CFPB complaints ; Lending Club does not respond to emails ; Lending Club calls me during business hours when I can not answer and hangs up without leaving a message upwards of 6 times per day. I finally answered today and they claimed to be trying to collect a payment I have already made. I want this matter resolved. Lending Club has proven that the customer does not matter. Lending Club changes what it tells the customer to benefit Lending Club and to hurt the customer.
Consumer complaint received 2024-04-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: AMERICAN HONDA FINANCE CORP (VA)

After XXXX XXXX when the vehicle was taken, I reached out to the company for a full list the expenses that were incurred and to whom the would be paid to. Instead of providing me this, they conspired with the intermediary company and the tow truck company to assess fees and charges that were not agreed to or part of the original repossession process. I asked for my funds back and to be credited appropriately and they acted in bad faith, along with federal agents ( XXXX XXXX XXXX ) who asked them to assess fees and charges to attempt to entrap in a fraud scheme, instead of acting in good faith and according I, the customer, with the respect, dignity, and fiduciary fidelity accorded to me as a customer and them as merchants,
Consumer complaint received 2022-12-27
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: Experian Information Solutions Inc. (UT)

XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORTS. 
THESE SAID AGENCIES HAVE NOT CORRECTED THE FRAUDULENT ACCOUNTS.
Consumer complaint received 2020-01-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (IL)

Sunday, XXXX I tried to make an XXXX purchase on XX/XX/XXXX. During the checkout process, I received an error message : " We can't process your payment. Try again, or select a different payment method to check out. '' I used a credit card for my purchase and did not select the PayPal option. 

After several calls to XXXX support, I learned that the error message is : " Payment Validation Error - XXXX '' The final decision from XXXX support was for *me* to call Paypal to determine the reason my payment was not accepted. Paypal is XXXX 's primary transaction processor and it was probably the root cause that my payment was not being accepted. After a lengthy conversation with Paypal it turns out that my Paypal account has been blocked due to suspicious activity. Here is the notification : " We noticed that you've been using your PayPal account in a questionable manner. To understand this better, we will require some information from you. 

In an effort to keep your account secure, we've also limited certain features in your account. You'll be able to regain access to these features once you provide the information we've requested. 
Reference ID : XXXX '' I have known about this problem for about 3 - 4 months and have been able to make credit card purchases on XXXX which should have nothing to do with Paypal and have previously worked. Now, every purchase that I try to make via XXXX is getting blocked by Paypal. Please keep in mind that I am not selecting the Paypal option, it's just that Paypal is blocking all of my credit card payments before the transaction can get to my credit card company. 

I have had an XXXX account and Paypal account since XXXX. I have been through a couple of reactivations where I did not use the platform for long periods of time. I don't mind and want to close my Paypal account because I don't believe they should have control over my ability to transact online commerce with XXXX. However, I am not allowed to close my account because of additional requested information. Of course, closing my account would limit my ability to sell items but I never used XXXX as a sales platform anyway. Given what I have learned during my ordeal, Paypal has the ability to hold your money for 180 days if your account is suspicious or banned. 

What can I do to allow standard transactions to occur on XXXX without involving Paypal? In other words, there are XXXX users that do not have Paypal accounts and are allowed to use their credit cards for payments. I would like the same courtesy.
Consumer complaint received 2022-12-27
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. (UT)

XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORTS. 
THESE SAID AGENCIES HAVE NOT CORRECTED THE FRAUDULENT ACCOUNTS.
Consumer complaint received 2022-12-27
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2020-01-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

Went to court with lvnv funding and had a amount settled for XXXX a month for 12 months. We settled on a amount of XXXX in the court which there are court papers stating that as well as the company offering that. My payment will be done in XXXX as I only owe XXXX I disputed the amount listed they say I owe which is XXXX I called them in the beginning and told them that the court papers settled on a amount which they found and said yes they have it and I even mailed them a copy but they still keep the inaccurate amount owed.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc. (SC)

On XXXX, I received monthly statement from AvantXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It shows that my balance due {$0.00}. And they have updated my account after my billing error dispute was sent to them. I log into online portal and that its not giving me access and not allowing to you used my card. 
According to the following section XXXX states that there shouldn't be any restriction for me using my card because the account has been made current .... XXXX Billing error resolution section d ( XXXX ) ( XXXX ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
Consumer complaint received 2024-04-05
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (OH)

Bought a Vanilla Gift Card and XXXX XXXX XXXX XXXX XXXXn XX/XX/2024 using it to save some money an incase of emergencies. Tried using the card and I realized the whole money has been wiped off it by incomm or someone and they wouldnt resolve it for me.
Consumer complaint received 2023-07-17
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)

XXXX XXXX XXXX collection account ending XXXX was deleted from my Equifax report, however the collection reappeared on my Equifax report.
Consumer complaint received 2023-06-29
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. (NY)

PLEASE REVIEW MY FILE. I HAVE BEEN SENDING THIS COUPLE OF TIMES NOW AND YOU SAID TO SEND THIS COMPLAINT TO CFPB AND CREATE FTC.
Consumer complaint received 2023-06-29
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)

On XX/XX/22 I made a payment of {$57.00} with bill payment check from XXXX XXXX bill pay service over the phone through XXXX XXXX XXXX automated payment service. Check was authorized and posted to my account on XX/XX/22. On XX/XX/22 I made a payment of {$60.00} with bill payment check from XXXX XXXX bill pay service over the phone using XXXX XXXX XXXX automated payment service. Check was authorized and posted to my account on XX/XX/22. I have statements from XXXX XXXX that confirms these payments were posted to my account. Please note that I made these payments with checks I received in the mail from XXXX XXXX bill pay service and it was my first and second time using the service. I expected XXXX XXXX to pay XXXX XXXX directly electronically. I discovered later that XXXX XXXX was not set up with XXXX XXXX in order to pay them electronically through the bill pay service. So XXXX XXXX mailed the payment checks to me. Also XXXX XXXX debited my checking account for payment of those checks days before I actually received the checks and made the payments to XXXX XXXX using the routing number and account number that was printed on those checks. I called XXXX XXXX after my statement date of XX/XX/22 and discovered the payments of {$57.00} was reversed on XX/XX/22 and payment of {$60.00} was reversed on XX/XX/22. I still had the checks I used to make the payment over the phone. I spoke to a customer service rep and I was told they could not accept the payments I made over the phone. So I had to mail the checks to XXXX XXXX and posted on XX/XX/22 which is the reason why XXXX XXXX reported my account 30 days late. XXXX XXXX 's investigation results where not consistent our accurate with XXXX XXXX 's information. the 30 day late that was reported to my Equifax account was removed and then reported again as 30 day late 2 days ago causing my credit score to go down XXXX points from XXXX to XXXX. XXXX XXXX has mailed me a written history of how the checks were processed I am waiting to receive that information in the mail.
Consumer complaint received 2020-01-05
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: Experian Information Solutions Inc. (FL)

I've explained my situation to the credit bureau on several different letters. I am an identity theft victim and their are accounts on my credit report that does not belong to me. This is my last and final attempt to resolve this issue before I exercise my rights and contact a lawyer. I need these accounts removed immediately. I have a business I own and am being penalized because of these items that are reporting on my credit report and I'm also in the process of buying a home. I need these accounts removed immediately ....
Consumer complaint received 2020-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

Beginning in XX/XX/2019, Cit began failing to issue conditional credits for disputed transactions on my statement held me accountable for the billing dispute amounts in full in the following ways : 1. ) Citi charged me interest on the entire statement balance each month despite having paid the balance in full minus the disputed amount. Cit then proceeded to refund the interest for the disputed charges alone after finalizing the investigation and issuing permanent credits. 
2. ) Citi reported the balance including the charges in dispute to all three credit reporting agencies, as being a debt I owe.This had the additional negative effect of lowering my credit score. 
3. ) Citi repeatedly sent me notices my balance was over my credit limit, despite this only being due to the disputed transactions which Citi failed to issue conditional credits while conducting their investigation. 
4. ) While reporting and contacting Citi in regards to the billing disputes, Citi dispute resolution agents and management repeatedly argue, trying to justify why the disputed charges are valid, making broad assumptions. This process has become so mentally draining and time consuming. Citi Dispute resolution agents on several occasions have even yelled and screamed at me, placed me on extended hold times over an hour at a time waiting for a supervisor only to report there are none, hung up on repeatedly and transferred to other departments without warning simply to avoid having to correctly processing a billing dispute as required by law and the XXXX interchange agreement. It is routine to receive conflicting information as well as false and misleading information from these agents in attempts to prevent having to properly handle the dispute. 
5. ) After receiving multiple letters of the billing dispute resolution in my favor and the conditional credits being permanent, Citi will re-bill for the billing disputes. Usually they are for the identical amount disputed and labeled R- bill. Usually the re-bills are shown with the same transaction and post date. However, on at least one occasion Citi has charged me a different amount, with a different post date, for credits which they state are permanent, 3 to 4 months afterwards. Of course Citi charges interest retroactively for these re-bills which violate federal regulations, their written agreements, timelines allowed to re-bill. 

All my claims can be supported and backed as all phone interactions with Citi have been recorded which I am in possession of. I am more than happy to make these as undeniable evidence and proof of Citi 's many violations. 

These actions repeatedly show Citi has continually acted in bad faith by violating terms outlined in the member agreement.This places In addition to routinely being in breach of the contracted terms, Citi 's actions are also violates the Fair Billing Practice Laws and Deceptive Trade Laws.
Consumer complaint received 2020-01-05
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. (OR)

XX/XX/XXXX In XXXX I created credit freezes for me ( XXXX XXXX ) and my wife ( XXXX XXXX ). When my son moved into an apartment in fall of XXXX, and I was able to temporarily lift the freeze for a background check, for my wife as guarantor for the apartment lease. 

We're attempting to do the same today, and have been frozen out of the Experian online services system. We were able to answer the security questions posed by the website, but XXXX was unable to remove the freeze on the account. We are unable to contact Experian by phone, and have been directed to mail information to Texas to resolve the dispute. 

As I created a new account today ( but was nonetheless unable to remove the credit reporting freeze ), I saw that my wife 's credit score is XXXX and mine is XXXX. 

-- -- >>>> One problem with the Experian remove freeze page is that Experian requires two PINs, one 4-digit PIN for the account and a longer PIN for the freeze/unfreeze feature. The freeze/unfreeze page requests the personal PIN but doesn't specify that it is the freeze PIN. This invites confusion on its face, but becomes more likely when a user has not been to Experian site in months or longer. At the least, the freeze/unfreeze page software should alert for 4-digit pins, as they're likely mistaken account pins. 

-- -- >>> A second problem with the Experian online service is that it autofilled our zip code as the contact email, while listing the correct email for email verification. The zip code was correct for our address, but is not our email, so the error wasn't apparent until several ( too many, it turns out ) incorrect submissions, and the Experian website did not recognize that the zipcode was not an email address - a clearly foreseeable autofill error. Whether this is due to Experian or XXXX 's autofill feature, the possibility for mis-filling the form turns what is otherwise a convenience into an extremely frustrating inconvenience leading to much venting typing!
Consumer complaint received 2022-06-14
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX - XXXX XXXX has violated my rights. 

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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-14
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX - XXXX XXXX, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-01-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/XXXX Capital One Financial Corporation was awarded a court judgement against me in the amount of {$4300.00} for an unpaid credit card account in my name only. At that time, they also froze the joint bank account I had with my spouse which subsequently was released. In XXXX Capital One attempted to garnish my wages, but due to part time employment and my income not meeting garnishment requirements it was dismissed by a judge after appearing in court. On XX/XX/XXXX Capital One has again filed for a garnishment and abstract of judgement hearing dated for XX/XX/XXXX. Due to my unemployment and financial circumstances off an on since the original date of judgement in XXXX that balance remains unpaid and no payment was ever made. Is this company breaking the law by filing another lawsuit against me since it has now been over 10 years since the original judgement was awarded? Hasnt the statute of limitations expired on this type of debt in the state of Virginia?
Consumer complaint received 2020-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

On XX/XX/XXXX B of A assessed a {$12.00} fee on my checking account as maintenance fee. This fee should NOT have been charged because I have complied with the ACH deposit of {$250.00} both in XXXX and XXXX. I have called the bank on XX/XX/XXXX to see why I was the charged the fee. Both the rep and Supervisor I have sopken with agreed that the fee should NOT have been assessed, admitted it was a bank error. However they could not refund it because my request was passed 90 days. This is not acceptable. B of A should not get away with my {$12.00} adding to their over XXXX Billions in fees they collected as of XX/XX/XXXX. 

I am kindly asking for your help in recuperating the fee. 

Many thanks.