davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (AZ)

XX/XX/XXXX I got a {$1500.00} cash advance from Discover Card. As of XX/XX/XXXX Discover has me still owing {$1400.00} on this cash advance. I have paid over {$1000.00} in interest and still being charged interest. I made a {$1000.00} payment on XX/XX/XXXX and still owe {$1400.00} on this XXXX year- old cash advance. I offered to make another {$1500.00} payment so I would not continue to pay interest on this cash advance but was told I would still continue to pay interest on the cash advance until I pay the balance of {$3900.00} in full according to XXXX who identified herself as my account manager and account supervisor on XX/XX/XXXX. 
This interest rate is unfair and too much! 
Note : I never missed a payment. XX/XX/XXXX I made a {$1000.00} payment. I made two {$200.00} payments and at other times made more than the minimum payment to pay down the balance on this Discover Card. The interest rate causes the balance to continuously increase rather than decrease.
Consumer complaint received 2021-07-24
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

XX/XX/XXXX I went online to place a travel notiice under my account in Bank of America from XXXX, sc to XXXX XXXX, TX. The application and online banking removed the option to notify of any travel notice. while I was in Texas my phone was barely receiving any services and I was house sitting a sick dog. On XX/XX/XXXX there were two suspicious transfers done through XXXX to a name " XXXX  XXXX '' for two withdrawals of {$1500.00}, final total of {$3000.00}. After these two transactions I was never notified of any suspicious transactions by text, nor email. I would go out to eat and get gas and I was still able to use my debit card as usual with no denial. On XX/XX/XXXX I attempted to sign into my online banking through my phone and it was not working, then I tried on my laptop and still was not working. After these failed attempts, I called Bank of America and was informed that my accounts were locked/frozen because of suspicious activity. I was confused because these transactions were already two weeks old. I then followed up with a freud complaint, I changed my username, passwords, and also closed my savings account and opened a new account to transfer the remainder of my funds. I was informed by the fraud help line that the dispute would take 10 days and my money would be refunded into my account. I trusted the process and waited. I continued to check and did not see any refund of my {$3000.00}. On XX/XX/XXXX I attemted to log back into my online banking and once again could not log in, i attempted on a desktop and failed again. I repeated the process and called BAnk of America and was informed once again that my account was locked/frozen. I informed them that i was confused because we already fixed this issue. they then informed me that this block occured on XX/XX/XXXX. I was yet again NOT contacted about any block or frozen matter on my account. And at this moment I asked for an update on my fraud claim and I was informed that they denied it because they saw no fraud cause. I do not understand because I was never contacted by phone, text or email about my Fraud claim updates or denial and any heads up on freezing my account. When attempting to log in I am asked to insert bank card number as well as my SSN and then I am told there is no match! it should match being that i am the owner of the account!
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NV)

Dear Consumer Financial Protection Bureau, I am unable to get Equifax to unfreeze my credit report. I am *desperate* to get it unfrozen so that I can open a business account at my local bank. 

I froze the Equifax credit report on XX/XX/XXXX and received a 10 digit reference number that I've attached as supporting documentation, but on XX/XX/XXXX Equifax said that it is not sufficient to unlock my report. 

However, I recently successfully unfroze my credit reports with XXXX and XXXX without any issues. I called these companies and provided the freeze numbers and they unlocked the credit reports. 

However, with Equifax I can not get them to even listen to the freeze number because they are too busy trying to harvest new information about me. 

I've attached to this report : My driver 's license front & back, A letter from my apartment manager confirming my residence, An electric Bill and a copy of the freeze reference number. 

But based on my past experiences with this company, I am doubtful that they will help me.
Consumer complaint received 2018-06-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Credit Corporation (LA)

On XX/XX/XXXX, I received the enclosed letter ( dated XX/XX/XXXX ) from XXXX, XXXX, requesting payment of {$350.00} which they stated is past due. I dispute this debt. 

In XX/XX/XXXX, the debt was paid as follows : Date of Check Check # Amount Date Posted by AVANT XX/XX/XXXX Check # XXXX {$6800.00} Posted by AVANT : XX/XX/XXXX XX/XX/XXXX Check # XXXX {$6800.00} Posted by AVANT : XX/XX/XXXX XX/XX/XXXX Check # XXXX {$130.00} Posted by AVANT : XX/XX/XXXX TOTAL PAID : {$13000.00} I received an email dated XX/XX/XXXX which stated my payoff amount on XX/XX/XXXX would be {$13000.00}. As shown above, I paid the loan BEFORE the deadline, and they then emailed on XX/XX/XXXX, advising that I owed an additional {$130.00} by XX/XX/XXXX. The final payment was received by Avant on XX/XX/XXXX. 

On XX/XX/XXXX, I received an email and advising that I owed {$610.00} by XX/XX/XXXX. I telephoned AVANT and was told this was an automated email and not to worry about it, since the loan had been paid in full. ( Confirmation in attachments ) On XX/XX/XXXX, I received another email advising that I owed a payment of {$610.00} by XX/XX/XXXX. Because this email was identical to the automated email of XX/XX/XXXX, and I knew my loan had been paid in full ( see three checks above ). I did not respond to this notification. 

On XX/XX/XXXX, EIGHTEEN MONTHS after the last email I received, Avant emailed me that my payment of {$6.00} is due on XX/XX/XXXX. Because this email was almost identical to the automated emails of XX/XX/XXXX and XX/XX/XXXX, I, again took no action. At no time after XX/XX/XXXX, did AVANT notify me in writing that my final payment of {$130.00} did not get my loan paid in full. The email of XX/XX/XXXX says {$6.00} is due. Where did that number come from? 

More importantly, how did {$6.00} suddenly become {$350.00} between XX/XX/XXXX and XX/XX/XXXX, the date on the enclosed letter? 

Furthermore, I have received 19 more automated emails all of which have different amounts saying payments are due. I have replied to their emails, called them, sent certified letters and received no response from an actual employee, only the attached automated emails. And now apparently I owe over {$1000.00}. 

I paid the loan balance of {$13000.00} in XX/XX/XXXX. I do not owe {$350.00}.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

XXXX Bank XX/XX/XXXX ; Advantage Credit XX/XX/XXXX ; XXXX Bank XX/XX/XXXX ; XXXX Bank XX/XX/XXXX ; Bank XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-05
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. (NJ)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (GA)

I have repeatedly requested overdraft protection for my account, only to be told that the service was added when in fact it had not with numerous transactions denied. The fact that my account does not have overdraft protection is confirmed by Wells Fargo themselves on page 1 of my XX/XX/2021 statement. 

Then the bank subsequently charges my account a {$35.00} overdraft fee on XX/XX/2021 as also confirmed on the same statement, contrary to their own written statement, so Wells seems to have discretionary overdraft service on my account denying transactions when beneficial to the bank, charging fees when beneficial to the bank alll the while making direct false statements to the account holder.
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Submitted multiple complaints on XXXX who are is in multiple violations of the FCRA. 15 USC 1637 ( b ) ( XXXX ) ( A ) since myself the consumer stated the billing error it should of been removed while it was being investigated. 
According to 15 USC 1666. ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Consumer complaint received 2021-03-10
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: Credit Control Company, Inc. (AR)

Ive sent ( 2 ) Certified Letters to them requesting validation and verification of the ( 2 ) debts associated with this account. On all accounts with them, I was fully insured and my insurance information was given to them, yet they failed to file it on date of service XX/XX/15 and Ive received no correspondence/bill from them period on any of the accounts they claim they have against me and have reported to credit bureaus. After speaking with them today, there are allegedly two other dates of service that havent been turned over to collection that Ive never received a bill for. It isnt my fault they didnt file an insurance claim for the XX/XX/2015 date of service when I was fully insured with XXXX of AR and I shouldnt be responsible for the amount they are claiming I owe. Nor have I ever received a bill from them regarding ANY charges they claim are my responsibility.
Consumer complaint received 2017-08-24
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. (NC)

on XXXX XXXX I made a complaint claim num XXXX which Equifax responded that they would removed XXXX XXXX XXXX from my file which they have not done so. please remove immediately. attached is their response
Consumer complaint received 2022-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion willfully dropped my vantage score over XXXX points. This was a malicious act toward this consumer. I pay all my credit card etc on time and they are willfully lowering my score to keep me from being able to acquire any other loans. I disputed inquiries that had been on my report fraudulently and they lowered my vantage score. As a XXXX consumer I see this a being an attack towards my character and my credit. They have also failed to provide proof that they acquired a bankruptcy on my name and keep stating verified. I will be taking further action with the federal courts.
Consumer complaint received 2022-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc (NC)

I am a consumer as identified in FDCPA 15 USC 1692 a ( 3 ) and I have a right to privacy pursuant to 15 USC1681 ( a ) ( 4 ). MediCredit had recently deleted their account from my credit report and then added it back ( I've attached the deleted letter to this complaint ) - they are in violation of 15 U.S code 1681a ( i ) ( 2 ) - 15 USC code 1692k - Civil liability MediCredit is in violation according to the Gramm-Leach-Bliley Act for comprising my information since I have never given any consent for them to share my information in writing. They have damaged my reputation of not being able to apply for any loans and investments. I am contacting my lawyer and you will be getting information sent in the mail because of my damages for breaching my information. I have suffered financial losses and other harm as a result of consumer fraud or violations of consumer protection laws. Also financial institutions are required to take steps to protect the privacy of consumers finances under a federal law called the Financial Modernization Act of 1999, also known as the Gramm-Leach-Bliley Act. The FTC is one of the federal agencies that enforces provisions of Gramm-Leach Bliley , and the law covers not only banks, but also securities firms, and insurance companies, and companies providing many other types of financial products and services. Under the law, agencies enforce the Financial Privacy Rule, which governs how financial institutions can collect and disclose customers personal financial information ; the Safeguards Rule, which requires all financial institutions to maintain safeguards to protect customer information ; and another provision designed to prevent individuals and companies from gaining access to consumers personal financial information under false pretenses, a practice known as " pretexting. ''
Consumer complaint received 2022-01-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NC)

My prepaid XXXX debit card issued to me by ace check cashing @ XXXX XXXX XXXX XXXX NC XXXX, has been comprimised as of XX/XX/2022. I have had unauthorized charges and or withdrawals taken from this account. I recieve my XXXX directly deposited to this card. My funds were not available to me when i went to make a purchase today [ XX/XX/2022 ] and i was una ble to do so due to lack of funds which is when I became aware that my card/account has been used by an unknown unauthorized user. I proceeded to Ace check cashing located on XXXX XXXX and notified them that my card has some unauthorized charges. After doing so I was issued a temparary card and given a XXXX number to contact. So i called the XXXX number [ XXXX ] the agent answered the phone i explained that my debit card was being used by someone I was not aware was using my card. The agent responded i can help you with that. Then the agent asked me for the information from the temperary card as well as my email adress and phone number to verify my account and identity. I provided the agent with this information at which time the agent responded that they begin to rectify the problem and after a brief message I would recieve a confirmation number and they would be in touch. So i waited for the confirmation number aproximately XXXX seconds and the line went dead. When I called back to inform the agent that I did not recieve a confirmation number prior to the call being disconnected a diffrent agent aswered the phone and told me that this line was for retreving coupons and dicounts at grocery store chains. I replied i just called this number and informed the agent that my debit card was comprimised and he proceeded to tell me that he was able help me in addition to collecting my card information. This new agent replied once again that this is a couponing agency and proceeded to give me a new number [ XXXX ]. After calling this number and recieving a number not in service message I called the original XXXX number I was given [ XXXX ] again and was again told that this was a coupon hotline. So i asked the agent why did they both agree that they could rectify my issued with my card and collect my card information. The agent responded I dont know sir I was not the agent who answered that call. Then he once again went into his sales pitch for the coupons at this time I ended the call. Then I googled who to contact for debit card fraud and I was given the XXXX number. I called both on the weekend and after office hours so I was refered to this website and I began to submit my complaint. I would like to also note that this XXXX number that is a coupon line is also the reference number displayed on the back of the debit card I was issued by ace check cashing of XXXX XXXX. [ XXXX ] The total amount of finanance I lost is XXXX $ over the course of this month through unauthorized charges.
Consumer complaint received 2022-02-20
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (GA)

I used this card and made an on-time payment for the full balance. After making the payment I tried to use the card again but my 'available credit ' wasn't actually available. The customer agent said I had to wait 7 days after my payment before the available credit became available again. I had a pressing business purchase that I really wanted on this card because of how much it saved me and asked the agent if there was any way to make the process faster. He said to send proof of the payment clearing my bank account to the their secure messaging center and it would reach a group above him that could probably make it available sooner. So I did that and that's where the problem really started. Not only did they not make my available credit available sooner, but they didn't bother to even reply to my message. Instead, they locked my account from being used at all and didn't even tell me. After 7 days passed, then 8, then 9 I finally called them about not being able to use the card still and found out they wanted me to prove who I was before they would let me use it again. This proof involved copies of bills, license, and social security card and would take up to 30 days! I said how about a passport instead of a social security card... nope. I haven't seen my social security card in 20 years. I would have to get a new one and who knows how long that takes. Despite on-time payment, despite excellent credit rating, despite assurances by an agent, despite bank proof that my payment cleared, they nevertheless decided to treat me like a criminal. I was fed up and decided I wanted to close the account... but they wouldn't let me!!! Unreal. Worst treatment I've ever gotten from a card company.
Consumer complaint received 2022-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (MI)

On XX/XX/XXXX I received a debt collection in the mail with the original creditor being XXXXXXXX XXXX from XXXX XXXX XXXX. The letter states that I owe {$1200.00} And that this debt has been in collection since XX/XX/XXXX. During this time I had just been released from prison and was living at home with my mother. All of her bills are in her name and always have them, she has resided at the same address for 50 years. My ex, upon me being incarcerated, Had made a point to befriend my mother and still all of my identification documents. And the last 5 years I have found several accounts that she had opened in my name while I was in prison, I was notified of the accrued debt she placed in my name and have been disputing negative remarks on my credit report ever since. I, myself, have never had a utility bill in my name. I've never had a credit card. I'm never had a loan. I have zero credit.
Consumer complaint received 2017-08-24
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (CA)

Midwest Recovery Systems attempted to ding my credit by reporting to the three credit bureaus that I owed money on a payday loan. When I requested for said proof, they never provided. Therefore, they agreed to remove tradeline off my credit reports. And they did, for XXXX only. 

The negative tradeline still shows on XXXXn & XXXX. Therefore, I request that they remove those negatives items, just as they did on my XXXX  report. Therefore, I resubmit once again a complaint for them to do right. I should not have to complain with the CFPB every month to take care of this, this should have already been done. Thank You