davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (MT)

I went to the branch in person and closed all my accounts : checking, savings, line of credit in XX/XX/XXXX. In XX/XX/XXXX I received notice from a debt collector that I owed Truist Bank. That was not the bank I used at the time but has since bought out/merged with BBT. I called and found that my account hadn't been closed and that they were charging overdraft fees the whole time. I never received any notice of this until the debt collection letter. Despite having closed the account I paid all the fees and closed the account again. I submitted a dispute on the ding to my credit score which Truist denied. Yesterday I received notice that the account once again had a negative balance and was apparently still not closed. This caused yet another ding to my credit score. I once again spent multiple hours on the phone trying to get this fixed and once again paid the fees to close the account. I have zero faith that they will actually close the account. I would like the marks removed from my credit score and the funds returned to me for my mistake, but at this point I would settle for them actually doing what they told me they would do 3 times and close my account.
Consumer complaint received 2021-05-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On Monday XX/XX/XXXX I attempted to contact a debt collector in order to settle debt from 2017. I requested a debt validation letter and the representative refused to give it to me. I asked multiple times if he could email me a statement saying he could not give me a validation letter and continue to refuse and avoid the question. I have paid them twice and they were unable to provide information or confirmation about my {$140.00} payments. The payments attached are to XXXX XXXX for {$140.00}.
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am a capital one customer. I opened my account online and wasnt aware that I cant use any other bank to deposit cash in my capital one Account. I searched my app and it didnt said anything about deposit or withdraw instead gave me nearby atms I could use. I assumed that I could use it to deposit too. I used associated bank atm to deposit cash. The atm rejected my transaction and started dispensing my money in few bills at a time. I wasnt able to pick all the bills and atm took it back. Since I dont bank with associated bank I could file a complaint with them. I called my bank capital one several times since last year XXXX when it happened that how can they help me but they refused to help me in anyway. Finally associated bank reached me and told me capital one needs to request credit adjustment on my behalf to associated bank so they can reimburse my money. Capital one over and over again refused to help me and didnt provide me any solution except they dont do this procedure. Most of the customer representatives including the manager have been extremely rude to me and refused to help me for anything as its not their ATM and its not their problem. Associated bank wanted to give me my money back but my own bank is not helping me in anyway to get my money back. I request capital one to please send associated bank an adjustment request on my behalf so I can get my money back please but looks like they dont care about their clients
Consumer complaint received 2022-04-13
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX xxxxxxxxxxxxx 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 a account without my written instructions REPORTING INACCURATE INFORMATION NOTHING MATCHES 100 %
Consumer complaint received 2017-08-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (SC)

I have a long history fighting my bank ( BBT ) trying to OPT OUT of overdraft fees. In fact, previously, I could 've ( and should 've ) filed prior complaints regarding their irresponsible actions. But I let it slide each time because the fees were n't excessively crushing and they promised me the mistake would n't happen again. Today that changes. I called in early XX/XX/XXXX of this year ( did n't record the exact date, but they have the date in their system ) and pleaded with them to opt me out of overdraft fees. I called the BBT branch located in XXXX on XXXX XXXX XXXX and spoke with XXXX XXXX, I believe ( XXXX ). She told me that she was n't allowed to opt me out of overdrafts with her over the phone, BUT she told me she would make an exception for me and that she would opt me out over the phone. She said that all I had to do was " come into the office sometime in the future and sign a paper ''. Fast forward to XX/XX/XXXX and XX/XX/XXXX and I find out I was charged for {$210.00} in overdraft fees, resulting from XXXX purchase ( XXXX subscription {$14.00} ) which caused my account to go to - {$5.00} ( approximately ). I was charged {$210.00} for this overdraft, even though BBT policy states {$36.00} per purchase going into the negative. I went to the XXXX branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke to XXXX XXXX ( I had lost all faith in the bankers located at the XXXX address ). I described to him this entire situation and he looked up my records in his computer. He read out to me the following statement from the records he had regarding me and the phone call I had with XXXX XXXX : " Client was told he was opted out ''. XXXX XXXX  had proof right there in his system that I had been told I was opted out, even though it obviously was n't true due to my {$210.00} in overdraft charges. He still did n't provide me with a refund, and he told me he had to forward this information to his " back office located in XXXX ''. This meeting with XXXX XXXX took place XX/XX/XXXX at approximately XXXX. I received an email from XXXX XXXX on XX/XX/XXXX " Hey XXXX, sorry for the late response. Regretfully it was deemed by the back office not a bank error. They said they spoke with the manager of the XXXX branch and that they said you were told on a number of occasions that you would have to go into a branch or ATM in order to Opt Out. I am sorry. If you would like that manager 's name I would be happy to get it for you. ''
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (PA)

I live an apartment building. I have XXXX credit cards opened in my name. Discover bank, XXXX  XXXX XXXX  and XXXX  XXXX XXXX. I have asked these XXXX companies to verify in writing as to whom authorized them to open these accounts and they keep sending bills instead of some form of signature of mine. I want to delete these accounts from any credit bureau they sent them too if they cant not verify this. Also i also XXXX XXXX ( debt collector ) to belfry information as well and they keep ignoring me
Consumer complaint received 2022-04-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (FL)

Binance.us is forcing users to consent to to their updated terms of use to extract funds from their account. After being caught illegally selling personal biometric data to 3rd party companies, they are trying to force us to waive our rights by holding our funds hostage. This is EXTREMELY illegal and requires immediate action against this them.
Consumer complaint received 2022-04-13
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: EQUIFAX, INC. (PA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (WA)

Experian is saying I have two hard inquiries and then lists only one as a hard inquiry which is correct but they lowered my score XXXX points? Also I linked my credit union account to allegedly " boost '' my credit score but after linking the account their so called service left off a TWO YEAR OLD auto loan with XXXX XXXX and then forecast an additional XXXX point DROP instead of a boost. To add insult to injury, they have also sent personal loan recommendations with interest rates that apply to a MUCH LOWER credit score than mine of XXXX % which is insulting and wouldn't function as the economic relief you should obtain with a refinancing of an existing loan at 29.99 % which I didn't deserve either. Please help. I am a XXXX XXXX with perfect rent and auto loan payments even through the pandemic so they can't use that one. In addition, their so called boost service doesn't link with the bank for XXXX which has all five years of my rent payments. Isn't that interesting since a good number of people in my demographic use XXXX as their only means of banking?
Consumer complaint received 2021-05-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Happy Money, Inc. (NY)

My name is XXXX XXXX, ID XXXX : XXXX. With Due respect I would like inform you that As per my loan application, The Company named Payoff approved my {$25000.00} loan on XX/XX/2021. On XX/XX/2021 I called and requested an pay off associate to schedule for receiving {$20000.00} from my Checking account. He scheduled it for XX/XX/2021, and fund was transferred successfully on time. Then on XX/XX/2021 I called and requested to settle my full loan amount immediately, means taking the balance amount from my checking amount ASAP. I had requested the Manager, If it is not possible for XX/XX/XXXX okay then please schedule/settle it for next day ie XX/XX/XXXX, So that I could save at least 1 day, s interest. But she refused to schedule it for XX/XX/XXXX, She schedule it for XX/XX/XXXX, and Charged XXXX from my checking account, of course with my authorization, I was bound to do so, as she refused to settle upto XX/XX/XXXX, My Question is it really company policy that I cant settle my Loan on same or next day, I have to wait 2 more days! 
I doubt what manager did! I guess there is something wrong! Because there is a option on web to settle or payoff in full on next day! May be Im wrong, But I need to know based on which terms she did it to me, Under the above circumstances I got a reply from them, that is as below I apologize that we were unable to schedule the payment on the same or next business days, it's not something a manager can override as it is a system limitation would you please check is this system Limitation is legal? I just want to know that whatever the did using their system limitation is permitted by law. 

Thanks XXXX XXXX XXXX
Consumer complaint received 2022-04-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (HI)

I am a XXXX customer of PayPal and am relatively comfortable with using the XXXX XXXX assistive feature on my XXXX XXXX  to navigate accessible features and apps on the XXXX. A friend of mine made an airline purchase for me with the agreement I would reimburse him via PayPal. I have used PayPal successfully for years and felt confident with its app. To make the payment, I used the Search feature on PayPal and entered my friend 's email address. PayPal then located what I believed was my friend 's PayPal account since I typed in his email address. Because I am XXXX, I am not able to identify another customer by an avatar, and because the account name PayPal was " phonetically '' identical to my friend 's name, I entered the payment amount and sent it. To my horror, when I contacted my friend to confirm he received payment, he said he did not. I called PayPal to report the incident and discovered I sent the payment to the wrong person because -- and this is critical -- PayPal gave me the wrong account even though I typed in the correct email address. I had to escalate the call and make several attempts because each time the PayPal representative said it was not their fault but my fault. I finally had a supervisor type in my friend 's email address in the PayPal search feature, and she came up with the same incorrect account. The two names were spelled differently but were phonetically identical. My friend 's name is XXXX XXXX. PayPal instead directed my to XXXX XXXX. This incident occured on XX/XX/2021, and the amount was for {$520.00}, I believe. I did try to cancel the payment but it was already accepted by the wrong account member. I also attempted to email the mistaken account member but received no response. PayPal 's only comments were to wait two or three days to see if the other person responds, and if not, there is nothing they could do. To summarize, I am XXXX, I typed in the correct email address for my friend, PayPal 's system gave me the wrong person, I sent the wrong person {$520.00}, this person did not respond to my requests to return the money sent in error, PayPal duplicated this error on their side and admitted it must be a quirk in their algorhythm, but said there was nothing they could do further. I am hoping there is some legal or ethical precedence to hold PayPal accountable for not only refunding my funds sent in error due to their site, but also to force them to evaluate and correct this error that might and probably has affected other XXXX, visually impaired customers.
Consumer complaint received 2022-04-13
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: EQUIFAX, INC. (TX)

I purchased a timeshare at the XXXX in XXXX XXXX on XX/XX/XXXX, under the impression that the timeshare would not appear on my credit. I asked the agent XXXX would it appear on my credit, because if so I can not get the timeshare. I explained to her that I was going to be buying a house in XXXX for my son 's, my mom and I. She told me that it would not be on my credit and that XXXX XXXX owns the property and that they would not run my credit. I am a single mom and all I ever wanted to do is be able to purchase my first home for my family and I. I thought XXXX was looking into why this happened but unfortunately she did not. I continue to get calls from people who try to get me to upgrade and say they are with XXXX. I always tell them no and explain to them that I have been misled into buying a timeshare and I need to talk to someone so I can get out the timeshare and give it back to XXXX. I enjoyed the stay at XXXX and was very happy to buy the timeshare but had I known it was going to be put on my credit I would have waited until after I purchased my home then gotten the timeshare. Everyone I talk to at XXXX said I had 10 days after purchase to cancel the timeshare, but the timeshare did not appear on my credit until after the ten days had pass. I have worked so hard to build my credit and position myself to be able to buy a home. 

The day I went to meet with XXXX, I asked her how long the meeting would take and she said not long. I was at the meeting for more than 5 hours. When I got to the meet I was intoxicated and needed rest and water. She was nice enough to make sure someone brought me water while I was at the meeting. She also told me she would help me rent my room out to make money, which she never did. I have been lied to and tricked into this time share. I sent all the text messages to XXXX XXXX XXXX member XXXX XXXX and all she did was give me the run arounds like the rest of the people working for XXXX. She asked me to send her the text messages between XXXX and I, I sent them to her. XXXX told me that she could not tell that the messages was from XXXX, although XXXX phone number was on top of every text message, then XXXX said my contract with them is still valid. So in other words XXXX did not do nothing wrong under their company procedure. 

I have continued to make my payments to XXXX because I really like XXXX and did not want to ruin my credit with a foreclosure and ruin my opportunity to purchase a home. I have ask XXXX to take the timeshare back, refund my money and remove it from my credit and they refuse to. Everyday I find myself going into a XXXX, because how could this company be on my credit as a mortgage and I can only get the room every odd year. Had I not been XXXX  I would had never commented to this.
Consumer complaint received 2022-04-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (TX)

On XX/XX/XXXX at XXXX I was notified by email that my homeowners insurance policy cancelled out due to non payment. When I purchased my home with another lender, they had me setup an escrow account for it to be paid out of. The loan was sold from that lender to my current one. Well my policy was due for renewal on XX/XX/XXXX, however due to an unknown data error on my current lenders side, my homeowners insurance was not paid and it was cancelled out. Once I was notified of this, unfortunately it was too late to take any action and therefore I lost all coverages with my old insurance company, and I had to bind in an emergency with another insurance with far less coverage for almost the same price. I sent in a notice of error to my lender on XX/XX/XXXX and I just received a response letter stating that yes there was a data error on their end, however they could not get my old insurance coverages back - unknown reason why. I called and they told me that its because I currently have insurance. I advised that due to their error I had to bind with someone before I defaulted on my home loan. They did some " further investigation '' and called me back and advised me that I should call my old insurance back, get a quote, and they will see what they can do if anything. I called my old insurance and well they can not do business with me as I have to go thru with my insurance agent. I am being given the run around and now I will be seeking legal advice on this matter as I know my rights as a consumer. If the lender defaults on their end they are supposed to be subjected to fixing the error at no cost to me. This is not the case for me and therefore will be further legal advice due to them not taking responsibility for their actions.
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (GA)

Citi bank closed my account which was in good standing without warning. When I called them to ask why my account was closed without notice they advised me it was due to non-usage. The account has a XXXX balance and is in good standing. This dropped my credit score. This caused me harm and I work hard to keep my credit in good standing.

I was planning to use the card to travel but due to covid 19, I haven't had the opportunity yet. This seems like unfair business practices. Please advise me on what to do. I called Citi bank and they refused to re-open my account. They told me I could re-apply for the card I had but refused to remove the inquiry that comes along with applying for credit. This seems very unfair. Thank you for your time.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (TX)

I have tried to take the proper protocols to get this account removed from attachment with me. Im a victim of identity theft and American Express is trying to make me take responsibility of this account when I have provided proof that I didnt have anything to do with opening my this account or opening the bank account that made payments to this account. Im about liable for anything because I didnt gain anything from this account being opened. They are ignoring the fact that I provided proof of me not making payments against their claim of me paying on it.
Consumer complaint received 2024-05-28
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (MD)

Income now works with chain of fraudulent merchant, I WANT INCOMM TO PROVIDE DOCUMEN USED IN DENYING MY DISPUTE, this dispute was closed same day it was opened .. government needs to take croon gain at income this is becoming my too much, merchant already agreed transaction was fraudulent. provide the document used in investigating case XXXX, you cant be supporting fraudulent merchant that I know nothing of, the card was not used by me, it wasnt used in my state, not used on my IP. PROVIDE THE DOCUMENTS USED TO DENY MY DISPUTE .you closed this case the same day it was opened XX/XX/XXXX but waited till XX/XX/XXXX to reply cfpb just to make it looked like you actually investigated the case I attach an image of their email since XX/XX/XXXX
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc. (MT)

Received emails from Avant about an account that I had opened. I never opened an account with them. I also had my credit locked through XXXX as well as notes attached with all three credit bureaus to verify all information due to previous fraud attempts after my information was leaked during a data breach. They pulled my credit without my consent and I am currently in the process of building/closing on a home. I have received no call backs from them and everytime I call I am told that there is a note on my file. They pulled my credit. A hard pull that I did not authorize.