davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Skrill USA, Inc. (MI)

I signed up with a credit card processor, Pay Safe, in XXXX of XXXX. Please note the following : XXXX. On XX/XX/XXXX, I processed the first two transactions. At this time I was advised that it would take 2-3 business days to process the transactions and monies to be forwarded into our business bank account. 

XXXX. On XX/XX/XXXX, the monies had not been transferred into our business account. However, Pay safe did charge us a fee in the amount of {$3.00}. On XX/XX/XXXX, I called into Paysafe and was advised that since we were a new account in the contracting services field, we would have to wait additional processing time to receive our funds. I was advised that our funds would be received on XX/XX/XXXX. I asked to speak to our risk advisor, XXXX. I was advised that she would call back to review our account and current hold. XXXX never called. 

XXXX. On XX/XX/XXXX, our funds were not transferred into our account. I called into Paysafes risk department and was advised that our funds had not been transferred and our account was under review. I was advised that there was no one for me to speak and XXXX would call when she is out of a meeting. 

XXXX. On XX/XX/XXXX, I went an email to the customer service department of Pay safe, inquiring about Pay safes failure to community and transfer our funds, I also attempted to cancel this transactions to protect my customers since Pay safe continues to hold our money with no explanation or cause.

My concerns are the following : 1. Can a company charge us a processing fee, when monies have not been transferred or processed properly? 

XXXX. Does the law state how much time a credit processor has to transfer money into their customers business account or are they allowed to hold indefinetely? 

XXXX. How can consumers learn if a credit processor is a legitimate company? 

My # goal is to protect our business and its customers. I am reaching out to CFPB for clarification and understanding as to the requirements of credit processors. Thank you for your time and assistance on this matter. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-17
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. (IL)

I contacted the credit bureau when i noticed i had several inquries that didnt belong to me .I called. They told me to notify in writting. i did so and all they said is they sad was send my id card and a bill with my address which was not true. my info is on the dark web i sent them the info. im contacting again because i just recieved inquiry on my credit and called and they did same thing. 

please help
Consumer complaint received 2023-03-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank Of American employees asked for documentation that was not needed and placed their name on my insurance Policy before the loan was processed and closed. They asked for proof of every Bank Account I owned, all Stock I owned and copies of all property ( Houses ) I own and the submit it with 3 days. My home has over XXXX Dollars worth of equity in it to secure a {$50.00}. Loan. I have Good Credit. I did apply to buy a New Home and they were informed by my Insurance Company XXXX I own other property and assumed I wanted to buy a new house. My letter of intent stated to pay off 2 high interest credit cards with BOA and Home improvements. I could have lost my entire estate for their actions. They did not have the right to place their name on my Insurance Policy or request information on other property to attach their names to Insure the Loan. This is Discrimination in the worst form to Steal from a XXXX XXXX. I was told they needed this information to prove I was not hiding money. I have copies and Names of the employees involved in the plot to steal my Estate from me. My children could have lost my entire Estate and BOA would have taken my Estate or received Insurance money if I died or defaulted on the Loan.
Consumer complaint received 2020-07-25
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. (GA)

I am a victim of fraud and stolen identity. I contacted the creditors and the credit bureaus over a year ago to make them aware that someone is using my identity. The credit bureaus have failed to investigate and/or address the issues that I am having. They are sending out generic replies that they've investigated the fraud and have updated my file and have decided to leave the damaging information on my credit.
Consumer complaint received 2023-03-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/2023 I requested by telephone that Ally bank close my CD early and transfer to my personal checking account. I was told it would take 2-3 business days. I have called three additional times as the money has not moved. They said they can not tell me when the money will be put into my account. The CD is still showing. I have asked for a supervisor to contact me and have not yet heard back. No one can give me a date when I will receive my money which is in excess of {$300000.00}.
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (VA)

I received a fraudulent cashier 's check on XX/XX/XXXX for an oven I was selling on XXXX marketplace and XXXX. The individual XXXX XXXX XXXX wrote from email address XXXX and explained that they would send more money than the selling price - the surplus intended to pay for the movers that would pick up the item. I deposited the check on XX/XX/XXXX ( Ally deposit reference XXXX ), an initial {$300.00} was available on XX/XX/XXXX, and the full {$3400.00} amount was cleared into by account XX/XX/XXXX. After transferring {$2000.00} to the phone number provided above, I was told by Ally on XX/XX/XXXX that the check bounced. The scammer then contacted me to transfer more money to a different phone number XXXX. When Ally called, I was informed for the FIRST time that customers are recommended to place a freeze on their accounts when they receive checks from unknown contacts. I was also told that despite being sent an Ally email that confirmed the full amount was available, I was personally responsible for not using those funds for 7-10 days to ensure full clearance. My Ally account was immediately restricted for negative funds and fraudulent activity. This involved both the checking account associated with the check AND my investment savings account. Ally claimed that the investment savings account would not be affected by restricting the checking account access, but a quick call to Ally Investing dept confirmed that one username is used for all accounts. Therefore, I am not able to access any funds in my uninvolved investment savings account. A week after the initial fraud call, I had not received any communication from the Ally XXXX '. I called back to learn that I have been PERMANENTLY restricted/banned from Ally. This means they have also permanently barred me from the money in my investment savings account - money I need to start a new account at a different bank. I can not pay any credit card bills either. A representative recommended that I transfer my savings into my checking account to clear my debt incurred by the scammer! I filed a police report for scammer, but it also feels there is no accountability or security with Ally Bank. They kick out customers without notice after they accepted the same realistic check that I fell for. I've not only been robbed by a scammer, but by Ally as well since they're holding needed funds. There is no option to appeal once the Ally fraud hotline representative says the 'investigator ' made a final decision ; they bully you out of whatever money you entrusted to them. This feels like inappropriate behavior for an 'established ' bank. What is the point of a bank being insured? XXXX  collectors are already contacting me for the indebted amount. Ally fraud case # XXXX. XXXX, VA police report # XXXX. Names used : XXXX XXXX, XXXX XXXX. XXXX Sender : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX. Emails used : XXXX, XXXX, XXXX. Phone XXXX, XXXX, XXXX. XXXX ID : phone XXXX, XXXX or XXXX XXXX.
Consumer complaint received 2022-06-11
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. (AR)

In accordance with The Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality accounts FAIR COLLECTIONS AND OUT and XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A - STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 section 604 A section 2 a STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681c. ( A ) ( 5 ) section states- NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, ORTHER THAN RECORDS OF CONVICTIONS OF CRIMES ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS 15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE
Consumer complaint received 2020-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

There were several fraudulent transactions made on my account to the tune of around 8 thousand dollars. I contacted my bank and my fraud claim was denied. I was told it was denied because the transactions were initiated at the same IP address. I explained that I did not initiate or authorize the transactions and the fact that they were done on the same computer does not mean it was not fraudulent. It made no sense what I was advised. My claim was denied I went to the bank they advised to file a police report. 

I filled out a police report and received a call from the police who were surprised the back had not done anything. I am a first responder a firefighter and I work very hard to make a living. I have been with Bank of America since 1998 for over 20 years and have always kept my accounts in good standing and had no issues. 

I am extremely disappointed that they have left me unprotected and will not reimburse the fraudulent transactions on my account.
Consumer complaint received 2018-04-13
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: Experian Information Solutions Inc. ()

Hello, I have had to replace my credit card several times. The last time was because someone placed a LARGE amount of money on the card. It was taken care of and XXXX XXXX   issued me a new XXXX XXXX XXXX XXXX. 

I STRESS BEFORE I even RECEIVED the card in the mail I received an email from XXXX XXXX and it said I needed to Update my credit card and it gave me the last four digits of my NEW credit card. 

I contacted XXXX asked how they received the card number and I think they said it was given to them. I then contacted XXXX XXXX and they told that if I have a subscription the Credit card reporting companies automatically GIVE OUT the card number to those places. 

I feel I SHOULD BE THE ONLY ONE TO GIVE OUT MY NUMBER. Please STOP THIS Practice. this most likely how my card has been getting into the wrong hands. 

They also pull the credit card reports by ADDRESS and not by NAME and ADDRESS. As in My mom would get a credit report and it would have MY cards, my brothers cards my sisters card and my fathers. We would all have to say which was ours then have them remove them, At first they also used the FULL NUMBER on the credit card. NOW they always say never give out your credit card info to people you do not know. When I filed that complaint they woke up only a LITTLE they kept all the cards on the report but now they only have the last 4 digits. 

LOOK into that also to make sure they refine how the credit card report is pulled so only my moms cards are on her report. 

Look into all the credit reporting companies I do not know who handed out my info. 

I have a bigger second complaint with XXXX XXXX. I will write you on that separately. 

I did talk to a person from this site on the phone and told them what was going on they instructed me to files the complaints.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (NC)

Re : XXXX XXXX XXXX ( Primary Card Holder ) XXXX XXXX XXXX XXXX Barclays Bank Credit Card Division Card # XXXX We are Barclays Bank XXXX Credit Card holders. We have had the card for several years. On XX/XX/2023 we made a payment of {$150.00} on the Card. On XX/XX/XXXX we became aware through our bank- XXXX XXXX, that Barclays removed the funds from our bank. However- Barclays did not apply the payment of of {$150.00} to our account and withheld the available credit that the payment should have produced and indicated that the available credit that the payment should have produced - would not be forthcoming until XX/XX/XXXX. Upon knowledge and belief- Barclays has placed our {$150.00} into an interest bearing account along with thousands of other credit card holders while at the same time depriving us of access to our funds in the form of available credit. Besides denying us excess to our funds. In addition, this conduct also adversely impacts on both of our Credit Reports by artificially showing a lack of available credit- which is a key component of determining both the Vantage and overall Credit Score. In addition- Barclays conduct may also constitute Fraud under FTC regulations. Efforts to resolve this matter directly through Barclays. On two occasions on XX/XX/2023 - we spoke on the telephone with Barclays call line and related our concerns to both call center representatives- including two account supervisors ( XXXX was one ) their response- in the case of XXXX XXXX he hung up the phone on us. We fully intend to pursue the matter through the courts and will be filing a Federal Lawsuit in the XXXX North Carolina XXXX XXXX under provisions of the Fair Credit Reporting Act. In addition- we also intend to file a complaint with the North Carolina Attorney Generals Office of Consumer Affairs XXXX
Consumer complaint received 2018-04-13
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. (OH)

XXXX XXXX XXXX amount {$29000.00} on XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VT)

I have had a Capitalone credit card since 2001. I have always paid my bill on time and in full. It is a business card and throughout the years, I have changed the name of the business without issue. However last week, when I tried to change the business name ( please note that in these 20 years, my personal name and social security number have always been on the card ) I got a call back saying they were cancelling my card in 60 days and I would have to apply for a new one. This is problematic since I froze all my credit information with the three credit report agencies when XXXX had the huge data breach a few years ago. I don't want to have to unfreeze and then freeze again. Besides, Capitalone has 20 years of history with me and that history has been without blemish. 
While I spoke to an agent and then her supervisor, their decision process seemed arbitrary and deceptive. Why now? Is this some form of discrimination? I had no letter from Capitalone explaining their policy and why. The agents were reading from a script and couldn't enlighten me about the company 's rational. On a practical level, why turn away someone who had been an excellent customer for many years? `As far as I know, they didn't research my account and my excellent history with the company. 
When they told me that I would be cancelled in 60 days, I cancelled the card immediately. I didn't want to do business one more minute with a company that had randomly cancelled my business after 20 years.
Consumer complaint received 2022-12-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

In XXXX I was served with a lawsuit to garnish my wages after asking XXXX XXXX to combine my loans into XXXX. I was sued for XXXX loans. I hired a lawyer. We set up a payment agreement on all loans and I've never missed a payment. 
Around XXXX a different creditor pretended I had no agreement and tried to sue me again. I showed my paperwork and my payment history. 
Around XXXX this happened for a XXXX time. At all points when creditors tried to change I showed my agreement and never missing a payment. 
Finally those loans are gone. 
HOWEVER when I log into my navient account I see an account that I was never served, never once discussed and I XXXX  in XXXX. 
So surprise there is a XXXX loan that was never once mentioned in any documentation. 
When I log in and saw this I tried to continue my payments but creditors have returned payment. When i log into Navient website to pay for a mystery loan, I made XXXX payment and the payment button was XXXX. 
I don't even know what it is. I don't know why in XXXX  years this was never discussed with me ; I was never served ; I have no knowledge of the mysterious XXXX loan that is still showing up on my account. I don't even know if it's real or just some other manifestation of the loans that were paid off in full. The company doesn't explain. I want this XXXX  loan XXXX for time alone. I was never notified of its existence in XXXX  years despite how I was threatened to take to court 3 times over student loans that I had every payment documented.
Consumer complaint received 2024-02-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NV)

Request for Deletion of XXXX Accounts from Credit Report Dear Experian Dispute Department, I am writing to request the removal of certain accounts associated with XXXX from my credit report. Upon reviewing my credit report, I have discovered accounts linked to XXXX that do not belong to me. I have enclosed a letter from XXXX stating that I do not have any accounts with them. 
I kindly request that you investigate this matter promptly and remove these erroneous accounts from my credit report. These inaccuracies are negatively impacting my credit score and financial standing, and they must be rectified as soon as possible. 

I assure you that I have never had any dealings with XXXX, and the presence of these accounts on my credit report is entirely erroneous. I have taken all necessary steps to verify my credit history, and I am confident that the information provided by XXXX confirms my non-affiliation with them. 

Please inform me of the steps I need to take to ensure the prompt removal of these inaccurate accounts from my credit report. I appreciate your attention to this matter and your assistance in resolving it efficiently. 

Thank you for your cooperation and prompt action on this matter.
Consumer complaint received 2022-10-17
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: OLD NATIONAL BANCORP (TX)

Reference to our previous correspondence to Old National dated XXXX/XXXX/2022, and your ticket # XXXX Sale of XXXX accounts to XXXX dated XX/XX/XXXX2022 and your Client Response Teams XX/XX/XXXX2022 response via the Consumer Financial Protection Bureau. 
Today ( XX/XX/XXXX2022 ) my wife and I both received two identical letters from Old National/UMB jointly XXXX dated XXXX and XXXX describing the process and timeline of transferring the existing accounts to XXXX or another XXXX custodian . 
Despite the concern we raised about a forced liquidation of our investments thereby potentially realizing steep losses it appears that Old National/UMB will not permit its current customers to transfer our investments in-kind to another XXXX custodian, Ref XXXX Letter dated XXXX/XXXX/22, page 5 ; What if I do not want my Old National XXXX to transfer to XXXX?, subsection XXXX you Old XXXX HSA to another qualified HSA XXXX XXXX Please note, all XXXX  investment asses must be liquidated before the transfer to the new HSA XXXX can be completed. It is unclear why an in-kind transfer can take place between Old National and XXXX but not between XXXX XXXX and another XXXX custodian XXXX 
We would like to believe that the above statement was included in error. We request your immediate clarification. 
It is our intent to have our accounts transferred to XXXX. Since you state that the Last day to request your Old National XXXX be closed or transferred to another XXXX custodian. is XX/XX/XXXX4, we will start the process immediately. Please also be advised that on XXXX website they clearly state that they ;. make it easy to transfer..mutual funds and other security types without needing to sell your holdings. 
We are convinced that we are not the only current account holders with Old National that would realize losses on our holdings if XXXX XXXX insists on the forced investment liquidation. This will not reflect positively on XXXX XXXX.
Consumer complaint received 2023-03-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I usually check my credit score every week. When I checked this week as of yesterday, my credit has been used by someone other than me. The person opened three credit cards and a car loan in my name. XX/XX/XXXXXXXX XXXX XXXX account opened ( isnt mine ). XXXX XXXX  XX/XX/XXXX ( isnt mine ). Bank of America XX/XX/XXXX ( isnt mine ) XXXX XXXXXXXX XXXX XXXX ( isnt mine ). Bank of America XX/XX/XXXX ( isnt mine ).
Consumer complaint received 2023-03-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (IL)

The co signer and myself co buyer went through a hard ship within the last months due to an emergency and we both called to get financial assistance and both of us were denied and have to some how get enough money to make a payment and every month we called and still no help. We are up to date with payments now but the help was never there and its affecting our credit to continue building it.