davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMPQUA HOLDINGS CORPORATION (CA)

This complaint is about Umpqua Bank 's nicety policy of prematurely crediting a fraudulent check of {$2300.00} the next day, even with insufficient cash in my account and my first name as the payee was spelled wrong. This practice contrastswith those of major banks which usually reject the check or put the check on hold until the funds are available. Theirpractice has helped a scammer run away with nearly {$2000.00} taken from my checking account. I have already filed a police report on XX/XX/21 immediately after the incident. 

I wrote to the CEO twice ( on XX/XX/21 and XX/XX/21 ), asking him to forgive the {$2000.00} charged to myaccount because the fraudulent check bounced. The response to my first letter was made in the usual bureaucratic fashion by their so-called Consumer Insight Department . There was no response to my second letter when I repeatedall the misstepstheyhad made. This nicety policy of Umpqua Bank is like treating you to a good dinner using your own money. What a devious treat!
Consumer complaint received 2020-04-06
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. (CA)

**THIS IS NEW ORIGINAL INFORMATION** Attached is a letter I found from XXXX XXXX  titled " Account Approval Notice '' dated XX/XX/XXXX - the same month that according to XXXX I was already 60 days late. 

I opened the card in XX/XX/XXXX, had identity theft that reached both of my XXXX XXXX through XX/XX/XXXX. I could not pay online or pay by phone during this time. I had new cards reissued and new accounts apparently. 

THE ATTACHED IS **NEW PROOF** THAT THE COMPANY IS INCORRECT. 

I had previously filed CFPB complaints which were denied by XXXX ( XXXX ) and ( XXXX ) Please help me clean my credit so that I can put the identity theft behind me. 

Thank you, XXXX
Consumer complaint received 2017-10-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (FL)

This claim is for false insurance interpretation that XXXX XXXX group intentionally lied about and did not coordinate with my insurance company XXXX. After my first XXXX session, I was informed that XXXX WAS COVERING for the XXXX and that all I needed to pay was a co-pay every time I went in for XXXX. I paid my co-pay every time of {$40.00} per visit. After my nine sessions of XXXX had been completed, XXXX XXXX XXXX sent me a letter of past due balance for the complete amount that XXXX was supposed to be paying. They intentionally did n't tell me that XXXX was n't paying so that I would not stop coming to their facility and they could charge me at the end. They lied to me in order to keep my business. If they would have been honest from the start and told me that my insurance company XXXX was n't going to pay then I would have located a clinic that XXXX would cover for my XXXX. It was n't too long before XXXX XXXX XXXX transferred my account to your collections company AR Resources Inc.so that they could close their books on their end and receive their funds. 
This debt is not owed and illegal as deceptive practices were committed to put their own profits ahead of the interests of their patient. This alleged debt is in violation of the Consumer Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collections Practices Act.
Consumer complaint received 2017-11-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I have an ongoing problem with paypal where they keep taking money out from the wrong funding source. This happened multiple times over the past 6 months. I will set my default payment method to my credit card, my backup as a credit card. Then they will charge my checking account. This time I took screenshots. 
These charges are from an ebay shipping agreement. I sold several items on XXXX, they sent XXXX $ each to my paypal account. I purchased shipping labels from them, in order to do this I had to agree to a billing agreement. The billing agreement said it would come from my default funding source, which I made sure was my credit card. 
This happened several times and my checking account was overdrafted. I called them to see what happened and they confirmed that this issue was affecting muItiple people. I asked them to cover my NSF fees and they agreed to a XXXX $ credit. Its been a week and they havent sent anything
Consumer complaint received 2018-06-08
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: SYNCHRONY FINANCIAL (TX)

there are few things going on with my credit .well known companies are damaging my credit one month to another month ,1 yr to another year.XXXX  even forgive a mistake but not these XXXX XXXX companies ,1 late payment in last 8 years still reporting to credit bureu , lost house lost my cars after my husband sudden death threw me off with everything, after husband died had XXXX XXXX could not work, i had to raise XXXX children on my own, it was tough but i made it, things are much better financially but these companies continue to kill me and wont forgive me for late payments, they took my house for XXXX dollar debt left to pay off mortgage .XXXX XXXX  XXXX sold my house for late payment, did not regard my 20 yrs of payment i made XXXX dollar down payment we made to buy house,XXXX dollar house they sold for XXXX debt late payments and turned out sold for XXXX XXXX dollar, investor who baught my house selling for XXXX dollar, XXXX XXXX XXXX contnue to report late payment on my credit.XXXX cont to do negative reporting XXXX wont forgive me either, XXXX XXXX took both vehicle we had my husband made XXXX dollar down payments to buy those cars.he also traded my XXXX at that time but for late payments they took away my car sold it after we made three years of payments.recovered their money got their vehicle but put XXXX dollar for me to pay them. 
i am a biggest looser in this life lost everything except hope.with hope only i want to stand again and start life, but these XXXX XXXX companies wont let me do any thing i am tired of sending them letter to explain why payments were late? asking for forgivness but they are deaf they dont care i wish if i would have died too along with my husband becouse these companies are killing me any ways, i cant buy house i cant buy any vehicle.i am exhousted fighting with them, please help me if u can or i will believe no one is out there to see my tears and hear my cry XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (OK)

I refinanced my mortgage and paid off the loan with Suntrust ( now Truist ) at the end of XXXX. They owed me the escrow balance of {$2900.00}. I was told that I would receive the payment within 15 days. I called back after the 15 days and was told that there was a pending inquiry and to call back on XX/XX/XXXX. I asked if I could have the payment sent by wire-transfer or direct deposit, and was told " NO ''. I called back on the XXXX and was told that the payment was processed and that I would receive it within 15 days. I called back today ( XX/XX/XXXX ) and was told that I had to wait until XX/XX/XXXX ( 30 days after the date of my Final Escrow Account Statement ) to request a new check to be issued. I asked again if I could have my payment issued via direct deposit or wire transfer, and was again told " NO ''. I just want my refund that is due to me.
Consumer complaint received 2017-10-06
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC (MD)

I had a mortgage account with Roundpoint Mortgage services out of XXXX, NC. I had fallen behind on my mortgage payments up until about XXXX XXXX, 2016. At that time I paid my account up to date including all past due payments and late charges. However, the company still reported my account 90 days past due even though it was paid before the end of the month, the amount was about {$4500.00}. I have tried multiple times by contacting their customer service line to have the problem corrected. The customer service escalated the issue to another department, which I do not know the specific name of, which I was never actually allowed to speak directly with. I also disputed the issue through the credit bureaus. With the disputes I submitted copies of the mortgage statement that should the amount paid and the date. It also showed that no outstanding balance was due. I finally filed a complaint with the better business bureau. I received a call from the company and was told they would look into it and take care of it. After receiving the results they still refused to correct the information, stating that the reported XXXX late, not XXXX. All of these attempts have still not corrected this issue, which I have been attempting to fix for approximately 9 months.
Consumer complaint received 2017-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (NC)

I previously requested Suntrust to establish overdraft protection on my account when I received an overdraft fee in XX/XX/XXXX. They advised that it would be established. In XX/XX/XXXX I requested then received another overdraft fee of {$36.00} and they advised that the overdraft protection was not established as advised by the previous representative and they would confirm it corrected and waive the fee, the conversation occurred on XX/XX/XXXX. XX/XX/XXXX a transaction went through and there was n't enough funds to correct the transaction I was charged the fee and requested the fee to be waive and was advised that due to the fee they fixed in XX/XX/XXXX they were not able to adjust an additional fees on the account. Escalated to a supervisor who was unwilling to help or support on XX/XX/XXXX Requested to escalate further and she declined.
Consumer complaint received 2022-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (KY)

Their support had ridiculous wait times ( 20+ min minimum ) and there is no way to close the account online. They opened an account in my name without my permission ( I had an account with BBVA ) and then charged me {$2.00} for sending me a paper statement ( no transactions ) even though I was never asked or prompted to opt in or out. I do not want to do business with PNC and I want my account closed immediately. I requested the closure days ago via their chat but have received no response.
Consumer complaint received 2017-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I like to inform the CFPB on the three major credit bureaus in this case my Texas Repossession Right has been violated. Under Texas Repossession Law the past owner of the car must be notified and given an opportunity to reclaim the car. The past owner of the car must also, be given the opportunity to attend the sale of the car. The past owner should be able to retain all belongings left in the car as well. If there was a deficiency balance the past owner should get a letter in the mail for that as well. In my case, the car was sold and I was not notified of the date, location, or time of the sale. In this case, based on my Texas Repossession Rights, I have been violated. At this time I like to make this known and looked into. Also, I do n't owe any money to the lender after the return of the car. This vehicle was a lemon car and should have never been sold to anyone.
Consumer complaint received 2021-07-12
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. (IL)

Account # XXXX - XXXX On XX/XX/XXXX, I paid XXXX to settle the account. The account is paid in full and is closed. The charge off for XXXX has not been updated. I contacted Experian on XX/XX/XXXX, opened disputes, and sent the settlement letter from XXXX by mail on XX/XX/XXXX. I spoke with a representative on XX/XX/XXXX from Experian and they stated that they are unable to update the chargeoff as Paid. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I would like for Experian to remove the tradeline. If they are unable to, I would like for Experian to report that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the Settlement Letter from XXXX, USPS Receipt regarding the mailing of documents, XXXX XXXX XXXX and the police report from the fire that destroyed my home. Thank you for your cooperation.
Consumer complaint received 2017-10-06
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. (AL)

I have filed several disputes about my student loans. I recently did another dispute because I have n't received information from the last dispute back from XXXX. I have contacted the student loan companies about removing and not active old loans. I also inquired about why are they still updating as well. Some of the loans were XXXX in bankruptcy and the others transferred to XXXX. I spoke with someone XXXX/XXXX/XXXX about the loans, and she stated that she could n't removed the loans because they are no longer affecting my credit despite they are outdated. She also told me not to dispute the loans anymore because each time it will mess up my credit.
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

open date XX/XX/XXXX/2013 it shows a 30-59 day late on my credit report the car was traded in a month before so the new dealership sent pay off check late have documents to prove the date
Consumer complaint received 2017-10-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (AL)

I took out a XXXX line of credit. I repaid the company XXXX as was required of me. They added XXXX interest 3 days later. They also took XXXX from my account 2 weeks later. Inbetween the second payment they weee going to take, I contacted the company and asked them for proof and mathematical equations that proved the decimal interest ( XXXX or so ) amount changed to 299 % in a month if the contract states the interest only increases after a year of the line of credit being open. I did not receive a clear response or accurate mathematical equation to justify the added interest. 

I asked the company to stop the interest if I started a payment plan. The company said yes. I paid the company another XXXX and they debited an additional XXXX from my account a few days later after I contacted them to stop payment on the additional charge. Finally, after my account was overdrafted, the company was no longer able to debit money from my personal account. As a result, they opened a new line of interest on the interest they were not able to get, then charged an additional XXXX, totaling a XXXX debt on interest. 

Now, the company is requiring me to pay the XXXX plus any interest it gains at XXXX per month in addition to the XXXX per month payments on the original line of credit, which is now at XXXX. I have corresponded with several people at the company with no one being willing or able to provide a fair option of repayment.
Consumer complaint received 2019-05-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (MT)

I am a small business owner, and one of my clients issued a bill pay check from Wells Fargo to pay an invoice. Upon receipt, the check was damaged ( See attached scan ), making all identifying information illegible except for the Wells Fargo contact information and the routing numbers on the bottom of the check both of which are legible. If I am unable to determine the amount of the check or the issuing individual, I can not contact the person and let them know that I have not been paid ( I am unable to deposit the check ). 

It is my understanding from Wells Fargo that they immediately remove the funds from the individual account and deposit it into a Wells Fargo account, so from the individuals records, it would appear that the monies have been withdrawn and the invoice satisfied. Wells Fargo has refused to issue a new check or to attempt to contact the individual who issued the funds. This was relayed to me by Wells Fargo staff at their corporate office as well as an individual who works at the XXXX branch in a meeting on XX/XX/XXXX. As of today, Wells Fargo has monies owed to me in their possession, and my client ( whoever that may be ) has no idea that they have an outstanding invoice.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

I made a payment of XXXX XXXX XXXX XXXX Paypal took the money out of my checking account on XX/XX/XXXX. They will not release my available credit until XXXX XXXX I need to make an emergency house repair and they will not allow me use my available credit. They said they put a 21 day hold on my payment because it was higher than normal and gave me no ability to have the hold overridden even though I could prove the money was taken out of my checking account.
Consumer complaint received 2022-09-09
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: DISCOVER BANK (MO)

My Discover credit card was charged for a Texas rent payment in late XXXX of XXXX - a transaction of {$920.00} dated XX/XX/XXXX to XXXX XXXXXXXX XXXX. I disputed this transaction immediately stating that it was not mine and they refunded the charge while they investigated. I also froze my account and had a new card issued. Discover then determined that the charge was valid and put it back in place so I paid it even though I live in Missouri. Then early this year they informed me that someone in Texas had made this transaction so I called Discover and they said it would be handled by their Fraud department and I would receive my money back. This has never happened. 
I contacted them again in XXXX of this year and they realized that I had changed account numbers to prevent fraudulent charges and they again told me that I would receive my money back. It is now XXXX and this has still not happened. 
I am requesting your help since Discover has not been able to handle this simple request.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I have disputed the accounts on several occasions asking for verification of the debt, update the account status to paid ( I sent the paid letters to the original creditors ) or  delete account information because it was reported by a collection company on the credit report. Each request has only come back ( from the original creditor ) account information is updated ; nothing ever changes. My main issues are with XXXX XXXX and XXXX XXXX XXXX. Each time I call to speak to a representative about updating the status to paid, they tell me they I will have to call different departments because not all of the accounts are in one place ; although, the address to all accounts are in Florida. PRA refuses to update the status or delete although the items are paid and the original creditors are still reporting as well. XXXX XXXX is also reporting some of their accounts as well as the original creditor. XXXX XXXX  is the last creditor. 
I disputed with the CRA on XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2021-07-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VEROS CREDIT, LLC. (CA)

I sent over my initial dispute in XX/XX/2021 second dispute sent, XXXX of XXXX by certfied mail. ( i have receipts ) XXXX removed the fradulent debt. Then veros credit reported it back to XXXX along with XXXX and XXXX with no notice from either credit bureaurs of it being added back to all three of my credit reports. Which i know this is called reinsertion, and it is a violation of the Fair Credit Reporting Act. XX/XX/XXXX i resent a dispute informing them of my identity being stolen for many different accounts reported to my credit file. I attached a police report, with my Social security card and the dispute. Veros credit responded by no validation of debt, on how the debt belonged to me. They requested for me to send a police report, in which i had already attached with the letter in XXXX, my Id and Social. So i am reporting them for violating us title 15 1692g.1692e plus my consumer rights and ackowledgement of the identity theft reports already sent.