davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a checking account with Bank of America, and last night ( XX/XX/2019 ) I went to the ATM to withdraw {$800.00} to pay my nanny the next day. I only had {$310.00} in my account, but I had scheduled a wire transfer from my XXXX XXXX account a few days earlier, and it was set to arrive today ( XXXX ). These transfers always complete overnight, so I wasn't worried because the BofA ATM has a message which claims you'll only be charged an overdraft fee if the funds aren't available overnight. So I withdrew {$800.00} and didn't expect any problems. 

I've done this several times in the past with BofA and haven't been charged fees, but this morning, for some reason, I was charged two {$35.00} overdraft fees even though the wire transfer completed overnight and there were funds in the account the following morning. One was for the cash withdrawal, and the other was for a XXXX payment my wife attempted to make about 2 minutes after I withdrew the money. 

I was pretty upset by getting {$70.00} worth of overdraft charges, since I had been playing by the rules as I understood them from the prior behavior of the bank, as well as the message on the ATM regarding overnight funds. 

I called BofA just now and the first customer service representative flat out refused to refund either fee. I asked to speak to a supervisor, and was connected to XXXX, the Deposit Floor Manager at the customer service facility in Montana. 

To my shock, XXXX informed me that my wire transfer with the incoming {$1000.00} was 'only 1 minute 13 seconds late '. She claimed that the money withdrawn from the ATM that night was a 'loan ' and the overdraft fee constituted 'interest ' on that loan. I was also given a long lecture about how all this was in the fine print of my account holder agreement. She then claimed that the bank had to draw a 'line in the sand ' against people like me and that there was nothing she would do to fix the problem. 

After persisting with XXXX for roughly 20 minutes, I finally convinced her to waive one of the {$35.00} fees, as a 'customer courtesy ', but she insisted that the bank was playing fair and refused to refund the other {$35.00} fee. 

I was not aware that I was taking out a loan from the bank when I accessed cash from my checking account in a manner I've done many times in my 22 years with BofA, and if so, an instant {$35.00} interest charge for an {$800.00} 'loan ' is an outrageously high amount, akin something a shady payday lender would do. 

I'm hoping that the second fee can be reversed because I'm on an extremely tight budget and every dollar counts for me and my kids.
Consumer complaint received 2019-06-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo closed my case and account after {$13000.00} was taken from my account and they have three different ways it was taken from my account and will not open the case I didn't authorize this
Consumer complaint received 2019-06-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CO)

We were looking for ticket for an upcoming concert and found a post on XXXX that offered two tickets. We reached out to the seller and negotiated a price of {$75.00} for 2 tickets. The seller then said they had a 3rd ticket they also need to get rid of and we negotiated a third ticket for {$50.00}. Two transactions were process using my Visa Debit card through a service offered by XXXX called XXXX XXXX. Both transactions were on XX/XX/19. 
The first transaction was for {$150.00} and the second transaction was for {$50.00}. A few hours later when I had not yet received my tickets, I reached out to the seller who claimed my payment did not go through. When they were insistent that I send them another {$200.00}, I was starting to sense something fraudulent was occurring. I refused to send the transaction again and sent the seller a confirmation from the first transaction. After my third attempt to contact the seller via XXXX, they blocked me from further communication. I then ( same day ) reached out to XXXX. XXXX   informed me that the transaction could not be canceled and to reach out to my issuing bank, U.S. Bank. I filed a dispute with U.S. Bank and was initially provided with provisional credit. However, after investigation, U.S. Bank debit my account for the full {$200.00} siting that the merchant ( XXXX ) had performed their required service of transferring the money to the seller and did not have any responsibility for the fact that I never received the tickets. U.S. Bank is saying this is also not their liability because although I used my Visa card for the zero liability protection provided by Visa, this particular type of transaction is a money transfer transaction and according to U.S. Bank, is not protected under Visa 's zero liability policy. U.S. Bank is also stating that while consumers are protected by the Fair Credit Billing Act, this particular type of transaction through XXXX  is not covered by that protection as XXXX was acting as a money transmitter, not as a merchant performing a merchant function. In researching and reading through the Fair Credit Billing Act, I disagree with U.S. Bank 's position that this type of transaction is exempt. I was not sending money to a third party, I was purchasing tickets. This was not a cash advance, this was processed on my Visa card like a standard merchant transaction and I expect to receive the protections covered like any other purchase of goods or services.
Consumer complaint received 2021-02-04
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: American Credit Acceptance, LLC (MO)

After reviewing my credit report I notice several errors and I begin to dispute them with XXXX each time the company has come back to me stating that the information has been verified as accurate. I then sent 3 separate certified letters to XXXX requesting them to provide me with information as to how the information has been verified but all of my request have been ignored. I have disputed these following accounts for the following reasons as well as provided documentation to verify the information as being incorrect but yet all they have done is continue to list these accounts as verified. 
XXXX XXXX - XXXX shows that this account was written-off for bad debt in the amount of {$20000.00} with a past due amount of {$7100.00} written off in XX/XX/XXXX which is incorrect. They have the terms listed as 78 months which is incorrect it is 75 months. 

I have also asked for verification documents for the following accounts : American Credit Acceptance they have the account opening date listed incorrectly. 
XXXX XXXX XXXX they keep allowing this company to change the amount even after requesting validation documents that have not been provided from both XXXX and these creditors. All of my request have been ignored. My rights have been violated under the FCRA. I am requesting immediate removal of these accounts. 

This has caused severe harm to my credit as well as caused me to lose my XXXX XXXX XXXX XXXX with several companies.
Consumer complaint received 2019-06-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

In XX/XX/2018 I called USAA to report a change in address. This was followed with a brief note advising the same. I did not receive a billing from USAA for approximately 60 days thereafter and when I did it had been forwarded from my old address which continued for the next billing cycle. By this time I was in serious arrears. When I communicated my circumstance to representatives of USAA now calling repeatedly, I was told that I was in arrears and the minimum payment was required. I continued to make regular monthly payments but was unable to make the required minimum payments which were now piling up due to my so-called delinquency. Late fees and delinquency fees by this time now consuming my regular monthly payments. I have tried to work through this matter with representatives but to no avail. I recently requested moving back my monthly billing date as in XX/XX/2018 I sustained a serious injury, XXXX XXXX XXXX, and have been unable to work since, I was told that this could not be done until my account was current, which by their standards I was not. I have written everyone in USAA even XXXX XXXX CEO of USAA who passed me off to a XXXX XXXX who as advised me that he " regrets being unable to reach me by phone, '' My phone records do not show any telephone calls from Mr. XXXX and I have called his office at least three times, None returned. I simply need help. USAA will not assume ANY responsibility for their failing in this matter and I am being required to pay for it. These practices " boarder '' on predatory lending and they will assume no culpability in this circumstance.
Consumer complaint received 2021-02-04
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)

I have made several disputes to Experian about an account that they are reporting wrong they account was charged off now its reporting as an open account. I also sent proof of my claim and they still refused to correct the errors. Now to the date of this complaint the account has been Re-aged but they say it accurate how if there has been no agreements or payments made on the account? How can they all have different ( dola ) dates Date of Last activity but all be accurate for the same account theres only one account.
Consumer complaint received 2021-02-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NC)

I have attached correspondence, but essentially, TD Bank refuses to close my account unless I : 1 ) Visit a branch in person that is hours away, risking the health and safety of my family during a worldwide pandemic, 2 ) Get a notarized letter, the process of which risks the health and safety of my family during a worldwide pandemic, to facilitate closure of the account, or 3 ) transfer out the funds from the account - which had already been done until they accrued {$0.00} of interest before processing the closure - an amount too low to transfer. Rather than writing if out or issuing a check, it's " hey we don't care about COVID '' - over literally XXXX XXXX. Their recklessness is shocking and disturbing to me, and if I weren't already trying to close my account I surely would be now.
Consumer complaint received 2019-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (MO)

I made a payment on XX/XX/19- I have the prrof of the call on my call log- I also have a confirmation number at home- however I am currently out of town on buisiness. I went to a resturant for my lunch and after my meal my card was declined. I called and asked why the card was not approved and they said my payment was past due- I advised I made a payment and they asked if it went through my bank account- after checking I said it did not. They said if I made a payment I could make my account active. I made a {$350.00} payment over the phone and they said my account was still unfortuently locked and that I would not be able to use my card for 24 hours until it cleared. I have been out of town for work and they are leaving me stranded with no money. I have been an excellent paying cutomer for 2 years with payment on time every single month and there is nothing they can do to help when their system caused the issue. I am not a fan of discover and I will be sure to let everyone know how bad their customer satisfaction is -- especially for a one time occurance. And not to mention the " missed payment '' is 4 days " late '', so not being able to unlock this acocunt that has always been in good standings is a little excessive.
Consumer complaint received 2020-05-08
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: Experian Information Solutions Inc. (CA)

I do not recognize any one of these 8 inquiries and did not authorize anyone to run my credit. 

XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX Inquiry from XX/XX/XXXX Utilities & Fuel XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2021-01-29
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

See new attachments. Two Capital One credit cards ending in XXXX & XXXX were stolen at same time, used, and then fraudulent payments were made to continue using and exceeding the credit limit. See attached Sheriffs report. The cards were not being used and stolen out of my office and it was understandably that it took a while before I was aware. Capital One is not prepared to handle multiple successive fraudulent payments like a bank putting a hold on deposits. Capital One closed my accounts on same day, then charged off at same time, and then did a fraud investigation months later. On XX/XX/XXXX, Capital One was pleased to inform me that the dispute for card ending in XXXX, was found in my favor and Capital One credited {$3100.00}. On XX/XX/XXXX XXXX on card ending in XXXX, Capital One found no signs of fraud. On XX/XX/XXXX, Capital One agreed there was incorrect information on credit report for the same card and they asked the credit bureaus to remove the account from my credit report. 4 days later on XX/XX/XXXX, Capital One said they found no signs of fraud on the same card ending in XXXX.???????? This is ridiculous! Both cards were listed on sheriffs report and canceled at same time by Capital One. Capital One is very unorganized and holding consumers responsible before they hold themselves responsible. I thought I was bad with 32 '' flood waters, XXXX, and theft, forgery, fraud, but Capital One is worse. Both cards were stolen at same time and both cards need to be removed from my credit report. I am attaching AGAIN the letters referenced above plus the XXXX Sheriffs report, the fraud affidavit, information on XXXX XXXX XXXX who was listed on Sheriffs report. AT THE LEAST, investigations should have been performed much earlier allowing me to keep cards instead of having a lump sum due that I can not afford. I called today because after almost 4 years I was very frustrated. I wanted to know if the was a manageable amount that I could afford and pay. It was an amount that I could not afford living on social security. I was informed that the settlement amount is automatically generated by a computer that hasnt any guilt of wrongdoing or any feelings or emotions. How sad. I am XXXX and had XXXX treatments from XXXX XXXX. I had 32 of water during Hurricane Harvey a month after filing the sheriffs report and I am still not settled. I should still have the cards with 700s credit and faithfully making payments.
Consumer complaint received 2021-05-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KLS Financial Services, Inc (DC)

The debt in question is from my employment with XXXX University XXXX in XXXX. After my resignation six months later I received a call from KLS Financial Services stated I owed a debt to which I replied I was not aware of any debt and refused to continue conversation. 

Over the next 16 months I found that the amount had been added to my credit file for {$5700.00} for an overpayment in wages. Upon learning this I contacted KLS and XXXX to have the matter removed citing 15 U.S.C. 1692 of the Fair Debt Collection Practices Act. 

I received notification of the disputed item debt from XXXX dated XXXX XXXX, XXXX which was nothing more than a Summary of Earnings Adjustment whereby payroll shows an overpayment for {$3200.00} which XXXX University claims was for 12 days paid to me after I resigned. I spoke to Ms. XXXX and demanded that they remove this as per law any employer based issue over wages first needed to be placed for judgement and as there was not a judgement issued against me the employer had no recourse to pursue me for collection and illegally place into my credit file. 

On XX/XX/XXXX I received a letter from XXXX stating they had removed the debt from my collection file. It was at this point I felt the matter had been resolved and that I could move forward with repairing the damage done. 

I now see that the debt is still found as a collection on all three of my credit files. At this point I refuse to reach out to XXXX because I am told each instance can reset the debt and keep it on my credit. My larger concern is how the credit bureaus did not follow protocols to ask if there was a sufficient judgments in the matter. This would end the pursuit and validate my concerns that it is a bullying attempt by XXXX university to circumnavigate the FCRA rules. 

Please aid me with removing this from my file as I feel the only recourse i may have to take is to sue all parties including the credit bureaus for their lack of responsibility to enforce and maintain laws aimed to protect the consumer.
Consumer complaint received 2021-05-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC (DE)

In 2016, the night before I XXXX from college, the right side of my XXXX became very swollen. My family had concerns that I might be having a XXXX so I was rushed to the XXXX. Turns I had an XXXX XXXX XXXX  in my XXXX. I was prescribed medicine to resolve the XXXX and in a couple days all swelling was gone. 

2 years later, when checking my credit score on XXXX, I noticed a late payment in collections. I further investigated and turns out this mark on my credit was from the XXXX. Subsequently, within days of my discovery I was then contacted by a collection agency advising me I had a late bill due. I immediately paid the bill in full. I would have paid the bill if notified but I received no notification of a bill from the XXXX and I wouldnt have, unless I checked my credit.
Consumer complaint received 2021-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-03-15
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. (FL)

I requested the fraudulent, XXXX XXXX XXXX, XXXX be removed due to identity theft from Equifax report. 

XX/XX/XXXX Re : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SS # XXXX To whom it may concern : I previously notified you that I am victim of identity theft. 
I learned that my personal information was used to open various accounts, XXXX XXXX XXXX, XXXX I did not open nor authorize, nor did I receive any benefits from the fraudulent account. 
I request that the fraudulent account be permanently blocked and remove from my credit report. 
I have previously filed an FTC and a CFPB identity theft reports disputing the inaccurate information, that you are reporting as a result of identity theft XXXX and XXXX have removed the fraudulent items but you have not I repeat, that the fraudulent items be permanently blocked and removed, and that i receive an updated credit report without the fraudulent item on it. 

Further more I have reviewed the fair credit reporting act, 15 U.S.C. ~1681s-2 ( a ) ( 1 ) ( B ) .as well as 623 ( a ) ( 1 ) ( B ) Thank You XXXX XXXX
Consumer complaint received 2022-04-26
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # ending in 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SHOW LESS
Consumer complaint received 2021-10-13
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: U.S. BANCORP (GA)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Elan Financial Service violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8