davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX my employer XXXX XXXX XXXX authorized a payroll deposit to my checking account with Bank of America to provide sufficient funds for automated ACH deductions that occur monthly. Unfortunately the Federal Bank Holiday that occurred on XX/XX/XXXX delayed the deposit until XX/XX/XXXX. Bank of America allowed three automated ACH transactions to occur on XX/XX/XXXX causing three overdraft charges of {$35.00} each totaling up to {$100.00} in bank fees to be deducted from my employer 's bank deposit. This caused a severe financial hardship and I inquired with the bank through their automated XXXX customer messaging system about seeking waiving of these fees as I did not have control that the ACH deposits would still occur prior to the employer deposit on a bank holiday. I was not provided relief of these charges and am seeking the assistance from the CFPB to convince the bank of waiving these overdraft fees in good nature of the issues caused by this bank holiday and allowing of charges to occur prior to my employer 's bank deposit. Thank you.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Inaccurate information on credit report. FTC violation. 

address : XXXX XXXX, XXXX, TX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX phone numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX XXXX XXXX XXXX  : XX/XX/XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$430.00} XXXX  XXXX XXXX  : XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2019-08-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE (KY)

Huntington Bank has been asked several times to correct my credit report about missed payment,XX/XX/XXXX and balance.. They have done nothing to correct this.. I have made all payments since XX/XX/XXXX of XXXX on the second Wednesday of each month..Have gone through XXXX twice to get it corrected.. They also have my car listed as being in Chapter XXXX on payment plan and that info is not true..
Thank you for any help you can give to get this fixed
XXXX XXXX
XXXX XXXX XXXX XXXX.
XXXX,Ky. XXXX
XXXX
Consumer complaint received 2021-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Re : Prior Claim XXXX See that claim for details regarding specifics, if needed. 

It seems that I am not being believed and subsequently that claim was closed by Capital One. I do not agree for the following reasons : I saw that my application for a Capital One Credit Card online was DENIED. Yet the company called me to say that it looked like someone was trying to open a Credit Card in my name, leaving a voice message. I took the time and care to call back and say : 1 ] No, it was me trying to apply. 2 ] However, the online application app showed : DENIED 3 ] I told the customer service rep unequivocally that I did NOT WANT the Credit Card [ and the application had already been DENIED according to the online website ]??? 

In the mail a few days later I received the information on my new, but RESTRICTED, credit card?!? 

I claim this is the company 's error. How can it be proven that my application was approved, when it had been flagged and placed on hold by the company as a fraudulent application IN THE FIRST PLACE? 

I have requested this error NOT BE REPORTED to my credit records. A big company like Capital One ... what harm or negative action have I undertaken, that I should be penalized ... and what exactly is the benefit to Capital One in reporting this mistaken scenario? 
AN ANSWER TO THIS LAST QUESTION IS ALL THAT I NEED.
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (MS)

My request to increase the credit line for my XXXX XXXX XXXX XXXX account was denied because of high credit available on other accounts. This is available credit that I have not used because of the high interest rate associated with the available credit line. XXXX XXXX XXXX XXXX is offering 0 % interest for 12 months, so I requested a credit line increase for debt consolidation purposes. 

XXXX has a longstanding history of explicit discriminatory business practices. It is a standard and customary for XXXX to denied credit card applications, credit line requests, and other loans solely based on the ethnicity of the customers name and/or the racial demographics of the areas the applicants reside. 

I do not expect XXXX to admit to any wrongdoing. With that said, I am requesting the U.S. Justice Department and the Consumer Financial Protection Bureau to investigate the banks business practices.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (FL)

I recently received my XXXX credit report and noticed inaccurate reporting on my file. 

You are reporting this collection account as an XXXX XXXX XXXX XXXX as well as a PAST DUE BALANCE, which is not under FCRA XXXX. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the below deletion has been removed. 

ACCOUNT NAME : XXXX ACCOUNT NAME : RESURGENT RECEIVABLES LLC
Consumer complaint received 2020-11-23
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. (NJ)

In good faith I paid off my student loans at the start of the pandemic. I paid them over {$2000.00} and made promises to me to have it removed from my report but to this day they are still reporting me. XXXX just added remarks to an old closed out account forcing my score from XXXX to XXXX over night. I even paid off some credit cards during this time and it says Missed payments removed from US DEPARTMENT OF EDUCATION but still showing negative. You are destroying lives of Americans. My score went from over XXXX to XXXX in 2 months when my loans were resolved months ago. I just tried to go on XXXX website to dispute but it doesn't even work. I am ashamed to be an American. How do I have a XXXX credit score when the only 2 negative items on my report are OLD OLD OLD and paid OFF!!!!! Image attached aa : This is the website error making it so I can not dispute. The rest of the site works. The Department of Education Uses different phone numbers and addresses to claim they never told me they would remove this from my credit report. Once I paid them they just pretend I don't exist and keep reporting me. My own country and education system is ruining my life. Image aa : is the non working XXXX online dispute. The rest of the XXXX site works perfect until you try and dispute. I have disputed with XXXX and trans union as well and they have not removed these items either. How can you just use a different address and phone number so people can never be held accountable? I've attached 6 different addresses the Department of Education has used so I can not contact anyone once they took my money.
Consumer complaint received 2018-02-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Bliksum, LLC (CA)

Issue with XXXX : Over the last twenty-one ( 21 ) months, Ive paid XXXX close to {$7000.00} in payments on a {$3100.00} loan. In trying to pay off the loan today ( XX/XX/XXXX ) I was informed that the payoff amount was {$3600.00}, which is approximately {$700.00} more than the original loan amount after paying them monthly payments of {$350.00}. Anyway, I sent them a payment of {$3100.00} today to pay off the principle amount that was barrowed. So Ive now paid XXXX  close to {$10000.00} for a {$3100.00} loan. Which is over 220 % in interest rate fees on a {$3100.00} loan. Which in my opinion is out outrages and is a total miss representation of the product services that was described to me in my dealings with XXXX  when I originally applied for the loan back in XX/XX/XXXX. 

What astonishes me about my dealings with XXXX is that Ive never over the twenty-one ( 21 ) months that Ive been making payments on this loan, that Ive ever received any documentation on this loan, terms of the loan, interest rate being charged and a payout schedule - nothing. Which is interesting, because they state very clearly on their website the following : Clear information on the cost of your borrowing, including any fees and charges, and our terms and conditions, which is not true in my case and Ive asked in previously conversations with their customer service representatives to send me this information. 

Now some people could construed my position on this as Buyers Remorse on my part, however I believe this borders on the definition of Fraud. 

The other thing that is interesting to me is that they have continued to call me today ( seven calls and counting ) since I spoke with them earlier this morning on what I was planning on doing related to this matter. In fact I even mentioned that I couldn't believe or image that they could get away with this type of business practices in this business environment. 

So I look forward to hearing back from you on your opinion on this matter. 

Thanks, XXXX  XXXX
Consumer complaint received 2021-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  AND TRANS UNION needs to follow the consumer Protection Law. I disputed XXXX XXXX XXXX XXXX XXXX XXXX. I filed a complaint against both companies with the superior court of XXXX County based on reporting incorrect information on my credit file and negligence. in XX/XX/2020 XXXX XXXX XXXX attorney reached out to me and we settled because both companies were at fault on a proper loan modification and making correction to my credit file by removing 120 days late. I have asked experience in the past to properly investigate this account. the outcome of the dispute was that's XXXX XXXX XXXX and XXXX XXXX  or reporting it correctly. I believe XXXX  did not investigate or talk about this matter seriously. I am providing XXXX  with a court document and settlement with both Banks agreeing to remove the incorrect 120 days late. I'm expecting XXXX  to follow the law and make corrections to my credit file according to my call document. I was not selected as a XXXX XXXX customer so there is no reason select profile recessed can report me 120 days late. XXXX also refused to take my payments which is clearly stated in my complaint against the company. any of these leads showing on my credit report are not my fault actually I was damaged by XXXX XXXX  financially by reporting incorrect information on my credit files.
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi, I have a mark saying 90 days late from XX/XX/2011, which I disputed with XXXX on XX/XX/2011. 
It was a weird situation, I was offshore traveling on XXXX, and the country closed all XXXX XXXX services, XXXX, banks transfers. 
I called in advance to XXXX and they told me not to worry, that they were going to put an extension. 
A few month later I saw my creditscore going down, they told me it was a mistake and they were going to fix it. 
7 years after I'm still seeing it!
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC (TX)

XXXX  dispute number XXXX Federal law prohibits XXXX  providers from billing beneficiaries who are enrolled in the XXXX  program for XXXX XXXX XXXX  and XXXX XXXX deductibles, coinsurance, or copayments. 
If you erroneously bill an individual enrolled in the XXXX   program, recall the charges ( including referrals to collection agencies ) and refund any invalid charges he/she paid. 

Billing of XXXX  Is Prohibited by Federal Law Federal law bars XXXX providers and suppliers from billing clients enrolled in the XXXX  program for XXXX XXXX XXXX and XXXX XXXX cost-sharing under any circumstances.

The XXXX  program provides XXXX   coverage of XXXX  XXXX XXXX and XXXX XXXX  premiums and cost sharing to low income XXXX  clients.

XXXX  is an eligibility category under the XXXX  Savings Programs and providers and suppliers may bill State XXXX  agencies for XXXX  cost-sharing amounts. However, as permitted by Federal law, States can limit XXXX cost-sharing payments under certain circumstances. Regardless, individuals enrolled in the XXXX   program have no legal liability to pay XXXX  providers for XXXX  XXXX XXXX or XXXX XXXX cost-sharing.

XXXX   providers who do not follow these billing prohibitions are violating their XXXX  Provider Agreement and may be subject to sanctions ( see Sections 1902 ( n ) ( 3 ) ( C ), 1905 ( p ) ( 3 ), 1866 ( a ) ( 1 ) ( A ), and 1848 ( g ) ( 3 ) ( A ) of the Act ).

PLEASE TAKE ACTIONS TO HAVE THIS REMOVED FROM MY CREDIT HISTORY AND I WANT TO PURSUE LEGAL ACTION AGAINST THE REPORTING AGENCY
Consumer complaint received 2021-05-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

Hi, PayPal close my account without any reason. 
I think because I received money in XXXX. Is ok if PayPal don't want let me use their services but the money in the account I need get access. 

I see my account doesn't have any fraud activity. 

READ WHAT PAYPAL AGREMENT SAID ABOUT XXXX XXXX PRODUCT. 
XXXX PayPal XXXX XXXX is a debit card linked to your PayPal XXXX XXXX balance. The PayPal XXXX XXXX is not a credit card. PayPal is not a bank and does not itself take deposits. You will not receive any interest on the funds in your PayPal XXXX XXXX account. Funds you hold in a PayPal XXXX XXXX account are not insured by the FDIC unless you have successfully requested a PayPal XXXX XXXX. If you have successfully requested a PayPal XXXX XXXX, then we will deposit the funds in your PayPal XXXX XXXX account into a pooled deposit account held by us for your benefit at an FDIC-insured bank. This structure used for accounts with a PayPal XXXX XXXX is intended to provide the funds in your PayPal XXXX XXXX account with the benefit of pass-through FDIC insurance up to applicable limits. 

The PayPal XXXX XXXX is issued by XXXX XXXX XXXX pursuant to a license by XXXX XXXX XXXX. XXXX is a registered trademark, and the circles design is a trademark of XXXX XXXX XXXX. The XXXX XXXX is issuer of the Card only and not responsible for the associated accounts or other products, services or offers from PayPal. Card may be used everywhere XXXX is accepted. The XXXX XXXX does not hold your PayPal XXXX XXXX funds. 
XXXX PayPal XXXX XXXX account is required to get the card. 
Approval contingent on ID verification. IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT : To help the government fight the funding of terrorism and money laundering activities, XXXX law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you : When you open a XXXX Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. 

In this agreement is clear PayPal said is not a bank. PayPal do not received direct deposit, so, they said are not responsible of the money in the PayPal XXXX services. 

Is clear in the agreement do not specify nothing about if i received a benefit in my account they can hold my money for XXXX days. 

my email is XXXX XXXX
Consumer complaint received 2021-05-06
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: WELLS FARGO & COMPANY (PA)

I had originally filed a claim with Wells Fargo for a merchant who didnt payback my winnings at the XXXX online casino. Wells Fargo opened a claim and I lost the investigation even though the company never responded to the dispute. Wells Fargo asked me to send in documentation with a follow up call. I did follow through with the the documentation and call. I then have a card reversal or a provisional credit and it drawn my balance into the negative. Wells Fargo claimed I didnt send documentation but what they received wasnt a pdf to what they prefer and never decided to call me to send in the right format. I spoke to 3 different specialists and they all gave me a different answer. One said resend the documents. Another said the case was closed. This happened all in the same day and was told I cant re file another claim. Do not trust this bank. They try to manipulate and discredit customers in every way.
Consumer complaint received 2021-12-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and XXXX have gotten into the wrong hands.
Consumer complaint received 2020-11-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (MI)

Step 1 : What is this complaint about? XXXX Step 2 : What type of problem are you having? REPORTING on my credit negatively destroying my credit. 

Step 3 : What happened? XXXX bill put in my name without my consent. 

Step 4 : What company is this complaint about? XXXX Transworld System collection agency Step 5 : Who are the people involved? 
XXXX  and transworld system.
Consumer complaint received 2024-03-18
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: WELLS FARGO & COMPANY (CA)

Wells fargo repossessed my car illegally in XX/XX/XXXX. Due to multi impact issues. They forced placed insurance on my account and incorrectly processed my payments. 
In XX/XX/XXXX I attended a mediation session with Wells Fargo under false pretense and signed a mediation agreement for XXXX. 
At the time Wells Fargo was still in ongoing litigation with the CFPB. They knowingly withheld this information from me and the outcome of the litigation in XX/XX/XXXX directly impacted my account. I would have not signed nor agreed to the XXXX mediation knowing this. They continue to use deceptive tactics. I asked for a XXXX mediation in XX/XX/XXXX from Wells Fargo which was denied cause they said it was duplicate alligations and they consider my case closed. I don't feel the original resolution mediation was fair and or transparent.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2021, I logged onto XXXX to obtain a recent copy of my credit report. I was denied a credit report due to an open dispute. It has in fact been 30 days since I mailed the dispute. I have received no communication from Transunion to state that they received my dispute, that an investigation has begun, etc.
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Fraud XXXX XXXX XXXX In XXXX my car was broken into passport credit card back pack 2 broken windows to gain access. The police report was the given officers badge number and report to credit card company boa travel reward. 
I was denied. requested it be resubmitted because have the proof. The claim was resubmitted the information. 
On XX/XX/XXXX approval letter was received by me. As of XX/XX/XXXX no refund was issued assured it would be there in 7 days. Spent Sat XX/XX/XXXX on the phone for 1.5 hrs because they are asking for the informations again Why I HAVE THE APPROVAL LETTER .I called today and they have reopened the case without sending me a denial letter nor do they have A DENIAL LETTER in their files. They are requesting police reports and sending the case back to XXXX on an approval. Tried of wasting my time in this circus that BOA has put me in. We are now at I need to wait for 45 days for them to approve it AGAIN. I am disgusted that they sent me and approval letter that meant zero
Consumer complaint received 2022-10-11
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: EQUIFAX, INC. (MI)

In accordance with Fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX, account # XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602A States that I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.