davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: World Acceptance Corporation (GA)

After advising World Finance Corporation of my financial difficulties due to a faulty eviction and XXXX check getting cut off, they ( World Finance began harassing/stress tactic collections ). 

Violation : World Finance used other sources point of sale terminals and tried to take money from a debit card of over XXXX due amount and then sent a letter from a different agency with a balance of XXXX. This was all after my constant and written updates of my situation. 

Headquarters stated they do not condone this type of conduct by employees and debt not owed/not in system any longer.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have no idea why you guys sent me a letter saying that I didn't file the complaint against Capital One. I did and this is bogus that im having to do this again. I attached a copy of the police report and affidavit with the first complaint why XXXX XXXX  XXXX would someone else have the information. Here is the new complaint against Capital One. 

Capital One sold my account to XXXX after they knew this was fraud and had received all documents they needed to prove the fraud. I guess I will tell you again what happen. XX/XX/2021 Capital One printed a letter saying they know it fraud. Knowing this they are fully award this is fraud so how can they send me to collections knowing this? On XX/XX/2021 I noticed a new collection on my credit report to my surprised it was XXXX Capital One. This is so wrong on so many levels I have no clue where to start. If this is not remove from my credit report IMMEDIATELY!!!! I will SUE I sick and tired of all this when I have done all the work for them to prove this is fraud
Consumer complaint received 2021-11-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc. (MS)

I was told that I owed the amount of over {$15000.00} on a debt that was discharged from XXXX  bankruptcy chapter XXXX Real Time Payment Solutions is continuing to want payment even though the debt was discharged in bankruptcy from XXXX.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NJ)

Multiple transactions were taken out of my account without my permission XX/XX/XXXXXXXX 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I have fraud protection with bank of America. I had two things they wrongfully denied. I had {$200.00} counterfeit merchandise I received from XXXX in XX/XX/XXXX and they refused to cover it and wanted me to send back the items even though it is a federal offense to mail counterfeit items through the mail. I then attempted to get return labels through the seller and was refused thand told to go through the bank since I filed a dispute. They still refused to cover it. 

I also had someone get a travel account with my debit card and email address and booked a room in FL. My card was fraudently charged {$180.00} and they also refused to cover that. This was in XX/XX/XXXX. 

After they took the charges back out of my account, i had numerous overdraft fees. This all caused my car ins to be cancelled. It 's caused me a mess and only from trying to protect my funds I work hard for. I lost almost 400 plus all the overdraft fees since I had to stop using my account. I do n't want this on my credit and I need the fraudulent charges put back in my account and all of the overdraft fees. I have also filed a complaint with fdic, ftd, and bbb. I need some help because they are refusing to help me.
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back in XX/XX/2021 Bank of America blocked my EDD debit card that was issued by the State of California for my Unemployment. I reached out to them to fix the issue and went through the verification questions and then was told that I needed to contact the EDD in regards to this.

During that time, I have not been paid my EDD unemployment benefits that have been deposited to the card every two weeks by the EDD.

I've reached out the the EDD over the next few months and their responses were always the same, saying that they don't block the EDD debit cards and to contact Bank of America. Bank of America always says to contact EDD to fix this.

I have screenshots of the inbox messages from the EDD in regards to this, saying that they don't block the cards and to reach out to Bank of America. Then the final message from EDD on XX/XX/2021 saying that my identity WAS confirmed on XX/XX/2021 and again to contact Bank of America.

Bank of America, at this point, STILL says to contact the EDD and that they can not assist me.
Consumer complaint received 2023-02-15
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Hiday & Ricke, P.A. (FL)

The attorney Hiday and Rickey out of XXXX Florida keep writing me via mail after I asked them not to call or write me. They are asking for financial information, private information to garnish my wages and that is harassment. We have already went to court about this debt and they are still harassing me. They sent me a letter last week Thursday XXXX XXXX2023 with a letter to garnish my wages. I feel very bothered, that they keep finding my address and wrong me letters.
Consumer complaint received 2019-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (CA)

XX/XX/2019 XXXX XXXX XXXX responded to my complaint filed against them and Discover Card for wrongfully garnishing my {$1200.00} on XX/XX/2019. In their statetments, Discover instructed them to remove the levy and return all the money they took from me. The letter ends without providing any Information on how, when, and what way I can expect to get my money back from them in full. They provided only the front desk number and the name of the assigned attorney for me to contact, and the horrors continued. 

After 20 days and numerous attempts I made to reach XXXX about the money, I still have not received my money. The front desk staff refused to let me talk to him, refused to give him my messages, lied to me about his work schedule, closed down the office when they saw me coming. They have tried everything to avoid not paying me back. Please help me talk to these people. Thank you.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 
Edited
Consumer complaint received 2021-08-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CashMax LLC (WI)

I took out a loan for {$800.00} at a ridiculously high interest rate of 647 %. My bad, but it was the only option I had at the time. I needed money fast and planned on paying off the loan very quickly. 

I have screen prints of my payments, and on XX/XX/2021, I thought I was making my last payment. I had my regular payment of {$230.00} come out that day. The webpage said as of that payment ( on that day ), mu balance was {$400.00}. I went online and paid that exact amount. It even said my balance was XXXX, and I was happy Inever had to deal with one of these shady lenders again. Now today ( XX/XX/2021 ), I have a mysterious {$100.00} unknowingly taken out of my account from Boost finance. I called them up and asked what that was for ... .They tell me it was to pay my loan off ... .never really explained what the remaining money was for. They tried telling me that the payment I made of {$400.00} was not the last payment and I still owed them {$100.00}. If I really did owe them that, they should have spelled it out for me clearly, because at that interest rate, I would have paid it off when I had the money 2 weeks ago. 

I sent them a screen shot and they then tell me they are calling me back. They call back and tell me that their IT department made a mistake!! It is always the IT department making the mistake in the end, isn't it? lol. They said I still really owe them that money ( I have not figured out if I actually did or not because I was furious with what was happening ... i do know I paid them {$370.00} in interest in 40 days on an {$800.00} loan, and that should be illiegal in itself, but I signed up for it ) ... .They then say they are going to refund me the {$100.00}, but it will not get back to me until the XXXX because that is when it posts ... This is now XXXX-5 days that they unknowingly took my money, and I now have unsufficient funds fees from my bank ( 2 of them for {$34.00} ) and I am not able to cover 2 bills, which is going to get me in trouble. 

I have also been getting offers since the second I paid that money off that they want to give me another loan ... because that one was paid ....
Consumer complaint received 2018-12-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CHARLES SCHWAB CORPORATION, THE (TX)

During the month of XX/XX/XXXX, we were set to refinance our 1st and second mortgage, aka HELOC ( XXXX/schwab ) loan. We called XXXX to request a pay off and was told this would arrived via XXXX, which it did not. The closing was set for XX/XX/XXXX and included the pay off of our HELOC, however this did not happen. As a result, confusion of the payoff and payment became an issue. Although the pay off was sent secure email, this was not sufficient according to our loan processor. This is an erroneous error that caused grave consequences in our family 's attempt to move forward after experiencing a financial set back after hurricane Harvey XX/XX/XXXX. Our property remains in a disaster affected area but XXXX   XXXX  has reported a 30 day late payment twice during this time. We ask XXXX  to rectify this as soon as possible. In addition, this is the second time we ask XXXX  to address the issue of payments during families effort recover from Hurricanes as we do what we humanly can to get back on track.
Consumer complaint received 2019-06-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Harpeth Financial Services, LLC (GA)

I got a flex loan from advanced financial. At the time I had done this many times before successfully with on time pay back in full. 
I lost my job after my divorce and went from XXXX a year to under 20k. The company keeps drafting money that isnt in the account or waits with a pending withdraw until money is in there. On the 1st I didn't have the payment in my account. I stopped by the store and they said it was already being pulled from my account. They drafted every cent I had for my power bill. 
I do not make enough to pay the minimum two week payment of XXXX interest only. I need help. The store said to call the customer line and they would help. I was put on hold after explaining g my request and no one ever came back. I have a photo showing a 38 min call to the company. I am in big financial trouble and no one at Advanced financial will help!
Consumer complaint received 2019-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY (OR)

I started a phone repair claim back in XX/XX/2019, I talked to people from the credit cad services to many times and people will always asked me for new documents, I specific asked one of the supervisor what do I need to resend in order for the claim to be completed and I followed step by step, 10 days later after I email for an update I got told that one bill that I send its not the right one, I send a new one again and again after 10 days me email back for an update I got told I need to resend other documents. At this point Im really frustrated and Im done resending documents, I trusted my credit card with my phone insurance and was a mistake
Consumer complaint received 2021-08-13
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. (PA)

I have been sending you a letters regarding inaccurate things on my credit report but I until this day over 45 days already, I still got no response. I was told by an attorney that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by XXXX  data breach and its your obligation to fix all these errors.
Consumer complaint received 2020-10-20
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. (NY)

XXXX  XXXX credit card report first delinquency is XX/XX/XXXX. I thought the first day of delinquent is when the 7 year count down start to remove charge off debt. I was told by credit report agency said XX/XX/XXXX to XX/XX/XXXX is when its one year and so forth. I thought one year is counted from XX/XX/XXXX to XX/XX/XXXX. If the way to count the each year as what credit agency said then it need to be public information. If my way understanding is XX/XX/XXXX-XX/XX/XXXX is counted as one year.
Consumer complaint received 2020-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (TX)

I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
Consumer complaint received 2021-11-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CA)

i have made several attempts to come to a reasonable resolution with US Bank. My forbersance ended XX/XX/2021. i have expressed that i am still in a COVID -19 hardship and my mother passed away so i am a XXXX XXXX to my Father. Also i myself contracted XXXX XXXX at my work place and have been diagnosed as a XXXX XXXX. Not to mention i am XXXX employee, which all XXXX  employee had to take a 10 % pay deduction due COVID -19. i have submitted all my pay stubs, proof of hardship, letter of explanation however the always deny my documents or state there is something missing. I true believe they are try to take my home from me by delaying my application. I have always made several payment throughout my forbearance, which never reflects my total amount owed to the loan. I believe US Bank is initially trying to foreclose on my home due to the amount of equity i have in it. To my understanding the government gave many banks ( US BANK included ) money to help homeowners keep their home and catch their mortgage loans up to date. Someone please expose these banks. 
.
Consumer complaint received 2021-08-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

FRAUD ALERT : Proof of COVID deferment was submitted by XXXX. XXXX REFUSES to review official letter. FCBA IS NOT RESOLVED as indicated in letter from XXXX XX/XX/2021. Which is contrary to XXXX  ' results.
Consumer complaint received 2021-08-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (TX)

Called multiple times to stop reporting to the credit bureau agencies. Accounts is settled and needs to be updated on credit report. Accounts were settled in XX/XX/2021 and XXXX is still reporting account as no paid. Please remove account from credit report
Consumer complaint received 2022-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (SC)

Pursuant to the Fair Debt Collection Practices Act ( 15 USC 1692g ), I am exercising my right to dispute the validity of the debt.

1. 12 CFR 1006.34 ( b ) ( 5 ) - This regulation requires debt collectors to provide consumers with accurate information regarding the debt, including the amount owed and the identity of the original creditor. I request that you provide clear and accurate information regarding the debt in question.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( I ) - This regulation prohibits deceptive or misleading representations by debt collectors. I request that you refrain from any deceptive or misleading practices in your attempts to collect this debt.

3. 12 CFR 1006.34 ( d ) - This regulation mandates that debt collectors provide consumers with written notification of their rights under the Fair Debt Collection Practices Act. If you believe I received proper written notification of at least 5 days, then I am requesting that you please provide me with the certified receipt with my name and signature making me aware of this debt by written notification as required by law before it appears on my credit report.

4. 15 USC 1681-S 2 ( 7 ) ( A ) - This section of the Fair Credit Reporting Act requires that debt collectors provide accurate and complete information to credit reporting agencies. I request that you ensure any information you report to credit bureaus is accurate and complete.

I expect a response to this dispute within 30 days as required by law. During this time, I request that you cease and desist all collection activities until the validity of the debt has been verified and provided to me in writing. I am revoking all rights of communication via email, text, or call.
Consumer complaint received 2019-06-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (GA)

I would like to start by stating I am home bound and unable to leave my home. I opened an account with Wells Fargo online. I received the debit card but never received the pin. I lost online access and based on their system I need the debit card pin to regain online access. I called on 4 seperate occassions about getting a debit card pin sent to me. Each time I was told a pin was sent and resent to me please allow 7 business days for delivery. I waited patiently and it never showed up. Finally on the 5th phone call I was told I needed to confirm a pin sent to my cell phone but the system would not allow the pin to be sent at the time. I called two more times and eah time informed the system is down. Meanwhile U dont have the access I need to my money. Not to mention after telling them each and everytime I was home bound and couldnt go into the branch I was repeatedly told I need to make a way to get there. Wells Fargo is insentive to customers with problems. Finally I decided to close the account and was told the system would not allow it to be closed. Today I was finally transferred to the executive office and instructed the account cant be closed and they cant send me a cashiers check and try to coordinate something with a local branch. Mind you I am homebound. This has been an ongoing situation for at least 6 months and meanwhile fees and being deducted from this account each month for non activity.