davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A. (TX)

My Wallet was stolen. They have my driver 's license and SS card and my daughters as well.XXXX  XXXX 2022 a bank account was opened in my name, I received letters from the bank saying they opened one. PNC Bank is the name of the bank. I called them. They told me to file with y'all. I also made a police report.
Consumer complaint received 2022-02-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MoneyLion Inc. (TX)

The company MoneyLion closed my checking account without notice or any emails notification! and told me I would have to contact the originator of the funds, MoneyLion doesnt give me any more information about if and when the funds will be released to the originator or myself!!! There is currently {$5800.00} on hold!! when I speak to the originator they act clueless to the situation!! I feel like MoneyLion is scamming me and I want justice for the whole situation.
Consumer complaint received 2015-10-14
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (CA)

BMW Financial Services continues to report my account information inaccurately. They have fixed some issues which I appreciate, however, my account XXXX became delinquent in XXXX 2009, I made payments afterwards but it was never brought current. Therefore the date of first delinquency is XXXX 2009, they show XXXX 2009, XXXX 2009, and XXXX 2009 as current. This is in accurate, they were still at least 30days past due and therefore not current. Please update XXXX 2009 as date of XXXX delinquency, and XXXX, XXXX, XXXX of 2009 as 30 days past due. Thank You
Consumer complaint received 2020-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (FL)

I want my money from my account and all my family account connected that was suspended for unkown reasons. 
I have XXXX dollars saved in the accounts and randomly my account was suspended with no reason why. 
I can't see my money and no one will release it to me.
Consumer complaint received 2015-06-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WELLS FARGO & COMPANY (SC)

Back in 2009, I was hurt at work and was given a settlement of {$4000.00} in the form of a check. I then took the check to Wachovia bank to cash. I ended up opening a checking and savings account putting about $ 500- {$800.00} in checking and {$2000.00} in savings. Within a month i spent all that was in my checking and in turn had to transfer funds to my checking from my savings. I lost track of the fees that were accumulating everytime i transferred and before long I was {$300.00} in the negative. All due to fees. Shortly after Wachovia gets bought over by Wells Fargo who I have an account with now.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am distressed that TRANSUNON has included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure the maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated and deleted : XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2023 Balance : {$18000.00} XXXX XXXX XXXXXX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2022-08-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Consumer Portfolio Services, Inc. (AL)

I had my car financed with Consumer Portfolio Services on XX/XX/XXXX. Due to financial hardships, I had to request extensions a few times so instead of my loan maturing XX/XX/XXXX it was extended to XX/XX/XXXX. Although my loan was extended 4 times, the maturity date was extended for 5 months instead of four. The problem arises because although I am considered up to date on payments with no late fees, my loan maturity date is still XX/XX/XXXX but XXXX states that I owe over {$5000.00} and my monthly payments are {$670.00}. 
I've called XXXX to try to understand why I would still owe that amount if I am up to date with no interest or late charges. They have not been able to explain why and have told me to just keep paying until it is paid off. I requested that they send me a copy of my contract two months ago but I have not received it yet.
Consumer complaint received 2017-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

On XXXX XXXX a Payment of XXXX was sent to the IRS from my BANK ACCOUNT. Since then I have been disputing with the IRS and even sent a document from the bank proving that the payment has been made. The bank removed the dispute the transaction option from this payment and has not allowed me to dispute the transaction stating " THERE IS NOT A CATEGORY TO PUT THIS DISPUTE IN '' Whch is absolutely ridiculous. I want my money back NOW.
Consumer complaint received 2016-03-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XXXX XXXX, 2015 I called XXXX. I verbally requested that they send me verification that they owned the debt. I also wrote them on XX/XX/XXXX and have yet to receive anything from them at all. I have requested that they stop reporting to the credit bureaus and they have not stopped. When I disputed it with the credit bureau they responded back stating that XXXX sent them information stating that they own a debt that I owe. Well, I 'm still waiting on this as I have a right to see that they do in fact own any debt that I owe.
Consumer complaint received 2015-03-20
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have XXXX credit cards with Capital One. I had some financial difficulties and got a couple of months behind on all XXXX cards. 
I called Capital One to make arrangements on XXXX of the cards to pay {$60.00} over XXXX months to get caught up and gave them my bank account info to take the money out automatically. 
XXXX the other XXXX cards, I was able to pay them off in full. I called in to Capital One and made the payments over the phone. 
A few days later, I went online to check that the accounts reflected the new balance and found that each XXXX had a note that say the accounts had been suspended. 
I called in to Capital One to ask what this meant and they said that I could no longer use the accounts but they would remain open and I would still get a yearly charge for them but I could not use them again. 
They did not inform me when they took my money, nearly {$1000.00}, that I would not be able to use the cards anymore. 
Also, when I checked my credit, they reported me for being 120 days late which I was not, and never updated my balances to zero. They are still reporting the old balances.
Consumer complaint received 2023-05-05
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. (PA)

I wrote 3 letters and mailed certified mail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to all three credit bureaus indicating that were reporting incorrect and invalid information and unverified accounts on my credit report. I have requested the three credit bureaus to update all true and correct information regarding 1 name on my account, 1 address, and 1 employment. I have requested all three bureaus to remove all non-holding accounts inquiries over 30 days. I have asked all 3 credit bureaus in these letter to provide the name of the individual business address and telephone number of the person or business contacted during your reinvestigation. The name of the person who verified the dispute with the original creditor, and the documentation that was used to verify the dispute. I have not received any information, documents, or proof to my request on these unverified accounts. I have also reached out to the creditor companies on XX/XX/XXXX via certified mail and a few have responded but have not sent in the requested information to verify the accounts such as an application with my signature, bond, or an agreement for any debt.
Consumer complaint received 2022-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Credit, Inc. (CA)

This debt shows Sentry is continuously reporting on my credit file that I owe this debt after I have disputed and the creditor has confirmed it was identity theft. The creditor stated that they have closed this account and I am not held responsible for charges.and that it will be deleted from my credit file. This dates back to XX/XX/2021 that I have been disputing.
Consumer complaint received 2021-04-21
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. (MS)

I sent Transunion a dispute on inaccurate items on my credit report on XX/XX/2021. I'm sure that it takes 7-10 days for them to obtain it and investigate the inaccuracies that are listed on this account ; however it has now been 56 days and I've have yet to hear from them. I don't feel like i'm being heard about the issues that are at the top of my concening issues. I '' ve already sent out a Notice of dispute letter to Transunion requesting that these account be removed ; since it has not been addressed. I'm not sure what to do at this point then to get a third-party involved in our transactions.
Consumer complaint received 2015-09-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

My wife and I were having difficulty with our mortgage payments because it was a variable rate. Over time the loan payments went from {$2000.00} to {$2600.00}. We wanted to refinance/re-modification, the bank rejected our application twice. At this rate if nothing is done we might be in position of not being able to keep up with payments. We have children who are under XXXX. Repeated calls went unanswered or fell on deaf ears.
Consumer complaint received 2022-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

This is the second time that I am filing a complaint against Bank of America. I have been a customer for over 20 years and again, as has been the common occurrence in recent months, I deposited a {$9000.00} check and only after it was deposited was I told that it would be held. The unfortunate thing is that I watched a man in front of me walk in and cash a {$12000.00} check and walk out with cash in a matter of minutes. I go to the teller right behind him and deposit my check and am told after it was deposited that I would have to wait to have access to ANY of the funds. What is different about the gentleman before me and me? I have been a customer for 20 years. I maintain over {$6000.00} a month in direct deposits. This is becoming a serious issue for me. I previously filed a complaint when I deposited a check and had to wait about 2 weeks for availability of the check. This is excessive and I feel arbitrary.
Consumer complaint received 2015-05-06
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I tried to move my personal residence to my revocable trust. However, USAA does not allow that. Yet, they do prepare trusts and from what I learned, if the trust uses USAA as the trustee ; then it is possible ; but otherwise, it is not permitted. This seems unfair. I 'd further note that their website even recommends moving property to a trust - again, apparently if they are hired as the trustee only. From below, I clicked on making payments some loan servicing is listed under that section.
Consumer complaint received 2023-05-05
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. (VA)

I called on XXXX XXXX XXXX XXXX XXXX XXXX in order to get confirmation from them that the account was closed because it's was opened fraudulently due to identity theft. I told them that it was opened when I was a minor, but was told they couldn't close it because it was already paid off & that there's no way I could prove I didn't open the account myself even after I told them it was opened when I was a minor multiple times.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I saw many inquiries appear on my credit report of Equifax. Those are incorrect information and not accurate. I demand Equifax remove those inquiries from my credit report due to accuracy. I already disputed through the Equifax site, but they do not border, investigate, or take any action to remove those. 
List of inquiries that I did not recognize : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2021-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FEDChex Recovery, LLC (VA)

On an unknown prior date, I received an e-mail from " FCR Collection Services '' about an attempt to collect a debt. The only information provided was my name and an " account number '', with a link to a website XXXX. The e-mail also included numerous spelling errors and did not include the name of the creditor, the amount owed, any information about disputing the debt, or any contact information for the debt collection service other than the website and a phone number. I reported the e-mail as a phishing attempt via XXXX 's e-mail reporting feature. 

I never received any physical mail about this supposed debt. 

On XX/XX/2021 at XXXX XXXX  I received a text message from a number unknown to me ( XXXX ) XXXX, the entire contents of which was : " ( my first name ), FCR Services is a debt collector for your XXXX  account. To view terms, account details, or pay please click : XXXX XXXX XXXX '' I saw this message the morning of XX/XX/2021. Since this time they did indicate the name of the creditor, and I knew I did have an XXXX  ( electric car charging ) account, I searched my e-mail for " FCR '' and found another e-mail in my spam folder similar to the previous. I accessed the website www.paymybalance.com with my " account number '' from the e-mail, my phone number, and my zip code. The site listed a balance due of {$11.00}. The website had a link to dispute the debt. I completed their dispute form and attached my current invoice ( XX/XX/2021 ) from XXXX showing {$0.00} balance. 

I never received any confirmation of the dispute, but several hours after disputing the debt I did receive another similar e-mail that " FCR Collection Services '' was attempting to collect a debt. 

I'm still not entirely certain that this isn't a phishing attempt. Their communications have not included the required information including a contact address so I am unable to mail the CFPB-recommended dispute letter.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I monitor my credit report and score with all 3 credit bureaus. I believe my credit report and score is unfairly scrutinized and calculator. I pay all my bills on time and according to the reporting agencies, my score is updated twice every month. However, that is not the case. I am working on a payment plan with one credit card company and it turned out I had one missed payment. Suddenly, the reporting agency decided to update my score and take away 70 points! They suddenly did this as soon as they received information about the one late payment, but never gave me credit for always paying my bills on time. That is very discriminating and should not happen to anyone. Now, I do not know what to do to fix this. This mainly applies to THE BANK IS XXXX XXXX XXXX XXXX XXXX. I fear this is tearing down a person who works hard everyday to pay bills on time and do things the right way. Destroying my credit like this is a path to destroying my future endeavors that I am working towards. Please help.
Consumer complaint received 2020-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America advertises very clearly : " 3 % cash back in the category of your choice : gas, ONLINE SHOPPING, dining, travel, drug stores, or home improvement/furnishings '' For the past 2 years I have been using my BofA mastercard for doing online shopping believing that I was receiving the 3 % advertised cash back reward for my online purchases. 

According to the XXXX XXXX : online shopping ( noun ) : the action or activity of buying goods or services via the internet. 

This is pretty clear and obvious. However, BofA has a slew of exceptions as to what it considers " online shopping '' For example, I ordered a set of contact lenses online. Through an online merchant. I engaged in ONLINE SHOPPING. However, BofA essentially excludes anything remotely related to a medical purchase as being eligible for the online shopping reward despite the purchase obviously being an act of ONLINE SHOPPING ''. 

The rewards page gives example of merchants where the 3 % rewards bonus can apply. Such as XXXX, XXXX, XXXX, etc. This is also misleading to the customer as all those merchants have their own car each at 5 % cash back and FREE SHIPPING. Why would a consumer benefit in using the the BofA card when they receive a higher benefit from using the merchant card? 

Hiding these details and labeling this benefit as for ONLINE SHOPPING is deceptive, manipulative, and most likely illegal. This benefit should be called " online preferred merchant reward '' but of course that would not attract as many unknowing customers. 

As further proof see the comments on this site : https : XXXX # comments Over 200 comments of people trying to decipher what counts as " online shopping '' and what doesn't. This is intentionally misleading the consumer. This is in no way an " online shopping '' benefit. It's a preferred merchant benefit that's advertised in a way to mislead the consumer.
Consumer complaint received 2017-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

The world of technology does n't work for everyone ... 
I signed up with Capital One with anticipation of improving my credit score with responsibility. I made all my 1st 4 payments OVER the amount due and EARLY. I started inquiring about the Credit Steps program and my eligibility of an increased limit. The rep told me that I was doing so well and it will be increased in XXXX. 

My personal banking account was compromised just days before the bill was due. I called Capital One to speak with the representative about paying from a different source. We were on the phone for nearly 2 1/2 hrs just for them to take my payment. I was ensured that all was well and IF I DID get a fee, it would be waived.
Month of XXXX, my banking issues were resolved and I got a new account. From my phone, I updated my new bank info and made the payment. I got the confirmation and noticed that it paid the old bank account anyway. I did the process again and paid from the correct one. All done before the due date. I called in the next day to make sure all was well ... .the rep said over the phone it would not count against me. My increase will be on XXXX XXXX and the payment was fine and apparently it was not. 

For a payment to post on the same day, it will need to be submitted Monday - Saturday by XXXX ET. A payment submitted after that time will post on the following business day. However I was on the phone with the representative well after the XXXX cut off ( not knowing ) As a result, I have been removed from the so-called Credit Steps program. I basically will just pay my monthly bill with no prospects of an increased limit UNLESS I contribute the overage. 

I was loving my Capital One experience and this XXXX up has ruined my overall outlook. I work so hard to rebuild thing and would not have been so careless to be missing payment days or by the hrs because as I said from the beginning, I paid well over the amount and before the payment date so these last 2 months is not concurrent with my payment pattern. 

This mess has now became an inconvenience. They have no intentions of helping you achieve your credit worthiness potential but rather set you up to fail with trumped up fees and when you are out, you 're out. I was deciding between Capital One and XXXX XXXX XXXX and I see clearly, I made the wrong choice.