davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK (CA)

XXXX XXXX XXXX and Discover have filed a law suite against me in XX/XX/2019 at XXXX XXXX XXXX Superior Courts | XXXX Courthouse | Contract and they have been XXXX, harassing, intimidating, threatening, and assaulting my family.
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX charged me {$95.00} annual fee on XX/XX/XXXX the folowing year when i switched to a no fee card they charged me {$95.00} on XX/XX/XXXX more than XXXX weeks before the XXXX fee was due to expire. I received my new no fee card however the bank still charged me {$95.00} for a no annual fee card.
Consumer complaint received 2021-12-12
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I walked into a Bank of America financial center located at XXXX XXXX XXXX XXXX XXXX, DE XXXX with the intent on depositing my promissory note with the interest due to me by multiple business whom I have contracts with. I was advised by multiple employees at this bank that they could not deposit my promissory note which I also advised was a check ( remittance coupon ) because it was just a piece of paper and that they could only pay the company and that they refused to deposit my funds because they claim they have been doing their job for years and never seen this type of transaction before. I asked and verified that BOA  was an FDIC insured bank per 12 CFR 229.2 ( e ) ( 1 ) ( as defined in section 3 of the Federal Deposit Insurance Act ( 12 U.S.C. 18I3 ) ) and advised the teller of the FDIC federal law showing my right to deposit such instrument as a NON-CASH ITEM in a check form without magnetic ink and a routing #. I also advised that since the account number is available that the account can be located within the system which would show them the account number they needed for the targeted financial institution and I was still denied. I requested a call to a manager and that manager also advised the teller that they could not perform this task. Although, I called BOA customer service 3 times and confirmed with XXXX that this was a process that I was federally obligated to perform and that BOA is aware of this procedure as well. According to the BOA Deposit Agreement and Disclosure this banking institution accepts and deposits non-cash items such as checks so why am i being denied and told that the non-cash item check i am demanding to be deposited which is paid to the order of me denied and told it is not a check by not 1, not 2, not 3 but at least 6+ employees and managers that this simply can not be done. I presented the check the the bank did not pay the check upon presentment. I also made sure to endorse my instrument and was still denied my right to deposit a check on my account. The staff should be trained and educated on how to process these type of transactions as well as the many types of deposits a consumer is federally rightfully able to perform to prevent complaints and violations from being performed.

12 CFR 229.2 12 CFR 1005 7 CFR 1901.508
Consumer complaint received 2021-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Ive called CAP one about this and got nothing but LIES and justifications which are NOT true. 
As of XXXX I had a +  balance ( that the bank OWED ME... this is MY MONEY not credit ... of XXXX XXXX ) I did a charge on XXXX of XXXX XXXX for some food gift cards. 
I told a XXXX at XXXX XXXX, to dispute the charge she also refused which is illegal. 
she claimed it was a cash advance ( it wasnt it was for PHYSICAL GOODS )... but that doesnt matter you CAN NOT CHARGE ME A FEE ON MY OWN XXXX MONEY ... this is PURE XXXX and a SCAM ... another way for XXXX XXXX to RIP PEOPLE OFF!!!! 
CAPITAL ONE charged me a FEE of {$10.00} for a CASH ADVANCE ( on my own money!!! ) this is a blatant FRAUD from CAP one ) ... its MY MONEY ... this {$46.00} was NOT from my CREDIT LIMIT and it was NOT DRAWN from my credit line... plain and simple ... it WAS MY MONEY ... and the XXXX CREDIT CARD of CAP one is trying to charge me a FEE on my money!!!!! 
One XXXX rep tried to say that the {$42.00} charge from XXXX comes from my credit line... NOT TRUE if that was true it would show my credit line used {$42.00} and I would have a balance still of my {$46.00}. 
I want the {$10.00} SCAM RIP OFF FEE the XXXX one is trying to charge me reversed ( as its a SCAM you can not charge me a CASH ADVANCE FEE on my OWN XXXX MOENY!!!! ) its MY MONEY. 
And once that is done I want the balance of the XXXX  XXXX mailed to me and both credit cards closed, as I refuse to do business with XXXX. 
Also filing this complaint with the XXXX ( Virginia cap 1 headquarters ) and CFPB ( https : //www.consumerfinance.gov/complaint/ )
Consumer complaint received 2021-08-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Hello, I applied for a refinance loan with Wells Fargo and was charged {$690.00} on XXXX XX/XX/2021 for appraisal. The appraisal was performed on XXXX XX/XX/2021. However, the appraisal did not take into account the new XXXX ( granny unit ) and any of the improvements to the house. My property was improved by more than 80 % and the appraisal value from Wells Fargo 's appraisal was the same as a 2-year old appraisal. In the last 2 years, my house taxes have almost doubled due to this improvement. The appraiser did not seem to be an independent appraiser. She didn't give me her card and wouldn't respond to my texts after the appraisal completed. By law, I should be able to appeal this appraisal. I have contacted my Loan Officer ( contact information below ) to appeal this appraisal for the last 7 weeks and even though he agreed that the appraisal was incomplete and he promised me, via email, multiple times that he is going to send me the appeal documents so I can appeal, he never did. He said he will credit me during the loan closing. However, due to the fact that they have taken more than 90 days to process my loan, I have already applied to another bank and will hope to close with them. I would like Wells Fargo to refund my {$690.00} since they refused to provide me appeal documents. 

Please see attached a few of my emails requesting this appeal and Wells Fargo 's response. 

XXXX XXXX Mortgage Consultant NMLSR ID XXXX Wells Fargo Home Mortgage | XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ( XXXX ) XXXX | Cell XXXX | Fax XXXX XXXX XXXX
Consumer complaint received 2021-12-12
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (AL)

I received a certified letter in XX/XX/XXXX from Easy Money stating that I had 10 days to pay back XXXX XXXX XXXX if I did not pay them back in that amount of time they would turn it into the police and charge me. 
they are claiming that I cashed a XXXX XXXX check. I have never cashed a check there or even used that establishment before in my life. 
I know for a fact my ID has been stolen its been stolen since XXXX of this year. And I am arguing that I should not be charged with any fraud charges because it is Easy Money 's fault for cashing a check knowing the person cashing the check looked nothing like me on my ID card. 
I demand that they pull up the footage of that day on the security cameras because I can pretty much guarantee whoever walked in & used my ID to cash a bad check looks nothing like me and nothing like the picture on my ID
Consumer complaint received 2021-12-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (WI)

I wanted to pay off loan and Cashnet agreed. Instead of keeping the payoff agreement they refinanced the loan I was trying to payoff which caused higher payment more interest and they wouldnt resolve the matter by accepting the last payoff payment and continued to withtraw funds from my account without my approval. I had no choice but to close account and cancel debit card to kep them from going into my account and they continued to charge interest and wouldnt accept a payoff amount.
Consumer complaint received 2021-12-12
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. (MI)

The is an account that is reporting a late pay that I dispute twice as being in accurate which it is as the loan was in deferment. However, I realize the account is more than seven years old and should not be still reporting on my account. The account is from XXXX and XXXX it is approaching the 8 year mark. I have opened an investigation per the consumer fair credit report " Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. '' I am having this issue with Experian, XXXX and XXXX.
Consumer complaint received 2021-12-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (WI)

I have tried to pay off the loan numerous times for a settlement amount and customer service says they cant do it and they transfer me to the collections department. I talk to collections and they say I have to speak with the origination department. Basically they give me the run around and kept charging me interest. Collection agency says Speedy Cash doesnt want a settlement amount they want the entire amount which is the outrageous interest charges that I tried to prevent when they gave me the run around.
Consumer complaint received 2021-12-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (FL)

To Whomever this may concern, My name is XXXX XXXX and I run a family owned fashion brand on XXXX. We decided it would be a good idea to use paypal as a payment processor for our sales. In the beginning, we had some issues with paypal due to it being a brand new account so we were on the phone with them 3-4x a week verifying tracking # 's and other business info to prove our legitimacy etc. We provided them with all of the information that was needed by them. It was going so well with them, and so was our business. Black Friday and Cyber Monday is the busiest time of the year for us so there was a high amount of transactions/orders. We roughly processed around XXXX with them. Right after Black Friday was over, Paypal has held around XXXX of our funds ( 180 days ) and we need this to pay our employees, pay for ad spend, and other overhead costs. I spoke to XXXX and she reassured me everything was perfect on their side after providing them all of the documentations they asked for ( before the 180 day hold ). I called paypal the day the limitation hit our account and the rep said he could not give us any info. The least we can get is an explanation. This is really hurting our business. We need that XXXX back. I am very disappointed and plan on taking legal action. 

Then, out of nowhere
Consumer complaint received 2021-12-12
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (GA)

NATIONAL CREDIT SYSTEM CONTINUOUSLY REPORT A DEBT COLLECTION OF {$2700.00} I HAVE BEEN TOLD SEVERAL TIMES BY EACH CREDIT AGENCY THAT ITS NOT ON MY CREDIT THEN WHEN I APPLY FOR LEASING IM BEING BECAUSE OF A DEBT I HAVE NO VALIDATION OF!!! WHEN I CONTACT THE NATIONAL CREDIT SYSTEM THE REP XXXX WAS VERY NASTY AND UNPROFESSIONAL & CLAIM SHE WAS GOING TO EMAIL ME THE DEBT!!! THIS IS EFFECTING MY LIVELIHOOD & HARM TO MY CREDIT PROFILE!!! ASKED IF THERE WAS A SETTLEMENT OFFER DUE TO PANDEMIC & WAS TOLD BECAUSE OF ORIGINAL DEBTOR ISNT OFFERED BUT AGAIN THERE IS NO PROOF THIS IS MY DEBT!! THIS CREDIT AGENCY REPORT INACCURATE INFORMATION ALL THE TIME AND SEVERAL INVESTIGATIONS AND FINDINGS FOR INACCURATE INFO BEING REPORTED
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Also, according to 15 usc 1692e this alleged debt is false and misleading.
Consumer complaint received 2021-08-25
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: EOS Holdings, Inc. (MD)

XXXX XXXX XX/XX/XXXXshared my personal information with debt collectors U. S. Asset Management and U. S. Asset Management shared my personal information with debt collectors XXXX, XXXX, XXXX, XXXX, XXXX. and debt collectors XXXX, XXXX, XXXX, XXXX, XXXX. filed a lawsuit on U.S. Asset Management behalf then XXXX, XXXX, XXXX, XXXX, XXXX. shared my personal information with XXXX, XXXX XXXX XXXX XXXX. Pursuant to 31 USC 3718, " Under conditions the head of an executive, judicial, or legislative agency considers appropriate, the head of the agency may enter into a contract with a person for collection service to recover indebtedness owed, or to locate or recover assets of, the United States Government. The head of an agency may not enter into a contract under the preceding sentence to locate or recover assets of the United States held by a State government or financial institution unless that agency has established procedures approved by the Secretary of the Treasury to identify and recover such assets. '' and as such, I have yet to receive proper proof from XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX or XXXX, XXXX XXXX XXXX XXXX. that approval to collect on the alleged debt was approved in accordance to the UNITED STATES code listed above. Pursuant to 18 USC 1028A ( a ), " Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. '' and as such, XXXX XXXX Bank knowingly transferred my personal information without my lawful authority to debt collectors U. S. Asset Management and U. S. Asset Management illegally shared my personal information with debt collectors XXXX, XXXX, XXXX, XXXX, XXXX. and debt collectors XXXX, XXXX, XXXX, XXXX, XXXX. illegally shared my personal information with XXXX, XXXX XXXX XXXX XXXX. and all obtained and are in possession of my personal information without my lawful authority and XXXX, XXXX, XXXX, XXXX, XXXX. and XXXX, XXXX XXXX XXXX XXXX has used such information and illegally attempted to collect an alleged debt.
Consumer complaint received 2021-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (NJ)

NYS department of higher education has discharged my student loan, once i attempted to return to college at XXXX XXXX  I was reported to nslds for obtaining a student loan with the intention of discharging another loan, that is not true. 

XXXX sent word to XXXX university that I am not eligible to receive federal student loans and that improper information blocked my ability to obtain my bachelors degree and hindering my quality of life. According to federal student aid the loan was discharged and I am not in fault and am eligible for othe loan. I demand that XXXX remove the hold off my record and allow XXXX XXXX  to disburse my student loans, asap.
Consumer complaint received 2021-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I was scam for almost XXXX by a call of Wells Fargo number and Wells Fargo logo. I tried to fix it but they always denie me. Its been 1 month 15 days already when I got scam. I got scam on XX/XX/XXXX at XXXX. I tried everything I can do so I can bring my money back because I save that money for rest of my life. Pls help Cfpb. This is my 2nd complaints. Because the Wells Fargo they always closed my case and denie it. Can you pls help me on my situation. Thank you.
Consumer complaint received 2021-08-25
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: EQUIFAX, INC. (MI)

Checking over my report & I noticed the inquiries that I disputed with the creditors & bureaus are still reporting on my credit. I have no clue of how someone could get my information but I need these inaccurate inquires to be removed immediately its been passed 30 days Im no longer waiting.
Consumer complaint received 2021-08-25
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. (MI)

Checking over my report & I noticed the inquiries that I disputed with the creditors & bureaus are still reporting on my credit. I have no clue of how someone could get my information but I need these inaccurate inquires to be removed immediately its been passed 30 days Im no longer waiting.
Consumer complaint received 2021-04-16
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Insight Management Partners, LLC (WA)

This debt collection agency reached out to my biological father, not myself, on multiple occasions despite him requesting to have his number removed from their system. The last call he received was from XXXX XXXX XXXX and provided him with extensive information about my accounts and account history. XXXX XXXX XXXX also made inappropriate comments about my character, told my father that they " are not my babysitters '' and made multiple malicious comments about me. He provided them my contact information, which I then received a call greater than 2 weeks later from another agent. When I attempted to discuss my concerns about the previous agents behavior, I was threatened with lawsuits and told that it was not illegal to share my information with my father. The agent was very aggressive and rude. Not only did all of this happen, but I have already filed a dispute about this transaction for fraud.
Consumer complaint received 2021-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

For approximately 5 months, I have been attempting to correct an error on my TransUnion Credit Report. There is a XXXX XXXX Bankruptcy dated XX/XX/2019 in my file. This is not my Public Record and it needs to be removed immediately. Furthermore, it is hindering me from being approved for a mortgage. I have contacted TransUnion several times by certified mail and phone calls in attempts to resolve this matter. They claim that they investigated it and verified it with the US Bankruptcy Courts. I contacted the US Bankruptcy Courts myself and was told that they do not verify such information at all which makes proves TransUnion did not verify this public record. The US Bankruptcy Courts sent me out a letter as well explaining and supporting my claim. The XXXX XXXX Bankruptcy is not mine and must be removed alongside of it not being verified as my account. You must prove beyond a reasonable doubt that this is my account and the US Bankruptcy Courts says that it did not verify it but several representatives have said it is verified. This is incorrect information and TransUnion is at fault.
Consumer complaint received 2019-08-06
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. (FL)

When I apply for a credit card with XXXX XXXX, I am instantly rejected due to an invalid Security Alert. Experian reviewed my credit report and said that I had perfect credit scores and that the Security Alert was fraudulent. Experian said they had removed the fraudulent Alert after my first application for a Credit Card with XXXX XXXX, but when I again tried to apply for a credit card it was instantly rejected, presumably for the same reason. How do I get an accurate Credit Report supplied to XXXX XXXX and have my credit restored so that it reflects my correct " perfect '' score of XXXX?