davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: AmeriCash Holding LLC (WI)

Good Evening! 
I took out a payday loan with Americash Loans about 4 years ago. The loan was for {$500.00}! Now my wages are being garnished for {$3000.00}!! This is insane and not heard of. I had 2 other loans that I fell behind on and they stopped the interest and let me pay. I am just disgusted and cant believe they are able to do this! Please help!!!
Consumer complaint received 2018-03-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi, i have some concerns regarding my loan modification with my bank Bank of America. Bank of America placed a foreclosure sale of my home for XX/XX/2018 at XXXX XXXX. 
I provided Bank of America all of my documents for a review for a loan modification. They said they have all the documents and they do not need anything else. Bank of America told me that my loan modification is undergoing review process and is in review with the underwriters. I checked online and checked with the trustee my home is still on foreclosure sale. Bank of America has not taken my home off foreclosure sale even though they are reviewing my loan modification. Im very stressed and worried that they will foreclose on my home even though im in review process. 
I know if they continue the sale they will be in violation of the California Home Owners Bill of Rights. They have to right to sell my home if they reviewing me for a loan modification. 
My concern is the sale is coming up shortly and they will not remove the sale.
Consumer complaint received 2022-01-06
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00}
Consumer complaint received 2022-01-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC. (GA)

I had two separate fraud claims with ALLY BANK One for {$25000.00} and One for {$750.00} I called at least 25 times to resolve these matters. Instead they falsly claimed they sent forms to my address with no proof. 

Instead of returning my money they closed my amounts. 

This bank committed fraud.
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I accidentally transacted on a fake website on XX/XX/2020 for an amount of {$240.00} and I immediately called Citibank to cancel the pending transaction on XX/XX/2020 but the Bank employee told me that this will be handled by dispute. Initially, Citibank asked me to dispute the transaction and after multiple calls with Citibank, they refuse to reverse this transaction. I have sent a letter detailing out the scam as well but Citibank refused to reverse despite months of investigation. The fake website which I had accidentally transacted did not send any confirmation of the transaction. The fake website did not send the goods which was purchased either. Citibank is not protecting its customers from such fraudulent transactions.
Consumer complaint received 2017-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was making donations on-line on Giving Tuesday, XX/XX/XXXX, from my Bank of America checking account. Bank of America put a lock on my account for " suspicious activity. '' I then unlocked the account to make further donations. I just noticed today, XX/XX/XXXX, that Bank of America deleted some of my donations ( they deleted the transactions from my account ) with my authorization or knowledge. I had more than sufficient funds to cover the donations ( my checking account balance after all donations would have been in excess of {$2500.00} ). What the bank is is illegal.
Consumer complaint received 2017-10-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Good afternoon, On Saturday, XX/XX/2017, I called my bank to inquire about a direct deposit and to ask where did {$340.00} that appeared in account Saturday morning. It was n't showing as a deposit and I knew it was less than what I was expecting. The representative and I reviewed the account and she was unable to identify the origin of the funds. I jokingly said, " I know my bank is n't giving me free money. '' I asked her to check for my direct deposit which she did. At that time, she was unable to locate the funds. I told her please the note account that I 'll be paying my bill with the XXXX. If and when you figure it out, XXXX will reconcile with my direct deposit. 

The funds stayed in the account ; and on Tuesday, XX/XX/2017, the direct deposit show up. I made sure I left the amount I saw over the weekend just in case. On Wednesday the XXXX, my bank charged me an overdraft fee. I called to find out what was going on. The representative was curt and offered very little assistance. I requested a supervisor who immediately inferred I was telling a lie. He insisted he did n't see my call on Saturday and that mysterious funds were in my imagination. When I told him I am not paying for something that I clearly had the funds to cover and that I would file a complaint he escalated to a higher office. I was told I would receive a call within 24 hours, it ; 's been 72 hours with no explanation or call. I have called several times and the matter is still not resolved. 

Additionally, I had paid my electric bill and knew the funds would be a problem because of the overdraft, so, I cleared the overdraft as not have any more issues only to be hit with another overdraft. I clearly had the funds available at the time. You are my only hope. Please help me. 

Thank you
Consumer complaint received 2021-09-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Webcollex, LLC (GA)

CKS financial, took me to court for a XXXX, XXXX dollar small claims in XXXX county magistrate court. I called the prosecutor and I was advised to turn in my 100 % XXXX paperwork and I did, but they will not stop harassing 's me with lawsuits. Please advise.
Consumer complaint received 2020-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. I was contacted by a bank in reference to a loan that I did not apply for and did not benefit from. That prompted me to check my credit report for accuracy and I found that someone has used my personal information to apply for several loans that I did not authorize and did not benefit from. This is my second time reporting this because the first time I reported it I only noticed inquiries for fraudulent applications. I just checked my credit report and now there are several fraudulent loans being reported on my credit. My credit score that was once 800+ is now XXXX. I AM DEVASTATED! I need help and it seems that no one is willing.
Consumer complaint received 2017-11-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION (NY)

I was making a payment to my credit card, and I went over by {$2.00} apparently. M & T Bank then decided to charge me a {$40.00} fee for that, then another {$40.00} fee because I did not pay it within five days. 

This is criminal behavior, I should not be threatened to pay {$80.00} because I went over by {$2.00}, even though I 'm pretty sure I did n't. They are threatening to give me black marks on my record and close the account unless I pay their ransom. 

M & T Bank is full of the worst kinds of scum and I can not wait for the day I close  my account with them for good.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (NC)

I have a PayPal credit account with a high credit limit of XXXX dollars and balance of XXXX. It has been paid as agreed and has had heavy activity as its li ked to my XXXX account. They closed it would not tell me why. The rep stated they would reapply to reopen and was eager to disconnect the call. I called daily and no record of application. My inquiries show one was done. However they have not sent an approval or denial letter nor do they acknowledge it. I have been a great paypal credit customer and coincidentally they closed it about the time the 26.99 APR kicks in on the outstanding balance. 

It has impacted my business I can't buy inventory and have zero communication with XXXX. They simply pass it off to a hold never pick up or say we have no record. 

I believe they as also I'm on XXXXXXXX XXXX  have violated my intent and right to fair reporting of credit activity.
Consumer complaint received 2022-01-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

my card was abruptly shut down by bank of ameica for no reason and no notifcation... they blocked me from logging into my account, so I called and they said they shut down my card but would not tell me why.. 
well I want to know why my card was closed???
Consumer complaint received 2017-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC (FL)

2 years ago I saw add on tv and called a number to buy a makeup spray machine that they advertised for {$29.00} plus mail cost of {$20.00} for a total price of {$49.00}. I paid with my debit card, after several days the product got to my home in an open box and the machine looked used. I tried to call customer service to let them know that their product was used product and had no manual on how to use it. but customer service of XXXX made me wait long time, never got a representative, I called several times, with the same result, and I got tired and stopped trying to call them. I left the machine in my house because I did not know what to do with it. I thought, I just did a bad buy and left it there. After 2 years I received a call from Monterrey saying that I owed {$620.00}. I never signed any paper saying that I will buy the machine for more money than the {$49.00} I already. Monterrey is damaging my credit seeking that way to press the consumer into paying with the threat of the credit report. There is thousands of bad reviews of this company because of this fraud that is doing to me and all those other people
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-06
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: EQUIFAX, INC. (TX)

I received 100 % Total XXXXisability rating from the VA XX/XX/2021. The following day I submitted the forms to have my student loans discharged. The student loans were discharged, but none of my credit reports were accurate. I filed disputes for all of the student loans shown on XXXX, XXXX and Equifax 's reports. XXXX shows completed, however the past due dates are still present on the credit report. XXXX and Equifax have more than 24 student loans listed for me, but most of them appear to be the same loans that were at some point transferred to another servicer. We are about to purchase a new home and accurate credit reports are vital to our family. Thank you.
Consumer complaint received 2021-03-24
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. (TX)

XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ). 15 U.S.C. 1681 et seq. for unlawfully obtaining my TransUnion consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA. See XXXX5 U.S.C. 1681b. Specifically, the FCRA provides, A person shall not use or obtain a consumer report for any purpose unless -- ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section : and ( 2 ) the purpose is certified in accordance with section 1681e of this title by prospective user of the report through a general or specific certification. 15 U.S.C.

1681b ( f ). Chester vs Purvis, 260 F. Supp. 2d711 ( S.D. Ind 2003 ). 
I have not initiated any transaction with XXXX XXXX. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

There are several accounts that need to be deleted off my account that are reported incorrectly and have the wrong information.

15 US Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that a consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S Code 1681b - Permissible purposes of consumer ( a ) IN GENERAL, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency my WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.
Consumer complaint received 2022-01-06
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021. The following day I submitted the forms to have my student loans discharged. The student loans were discharged, but none of my credit reports were accurate. I filed disputes for all of the student loans shown on XXXX, Transunion and XXXX 's reports. XXXX shows completed, however the past due dates are still present on the credit report. Transunion and XXXX have more than 24 student loans listed for me, but most of them appear to be the same loans that were at some point transferred to another servicer. We are about to purchase a new home and accurate credit reports are vital to our family. Thank you.
Consumer complaint received 2017-11-30
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. (FL)

I am filing a complaint against XXXX ( PREVIOUSLY KNOWN AS XXXX XXXX ) for an unresolved issue. It is my belief that XXXX ( XXXX XXXX ) is acting deceptively regarding the student loans they service for the U.S. DEPT. OF EDUCATION. I completed my formal education with an XXXX in the Summer of XXXX. Prior to the completion of my education in XXXX all of my loans were in deferment because I was in school. After graduation my loans went through a number of deferments and/or forbearances. In XXXX, I went through a difficult time which subsequently led to a divorce at the end of XXXX. During this time I was in communication with XXXX XXXX at various times and believed that my loans were either in deferment or forbearance based on what my loans qualified for at the time. I was shocked to learn some time later that some of my loans had gone into a past due status. I was even more shocked and confused when the U.S. DEPT. OF EDUCATION told me that I had loans in default but that the would help me with rehabilitation so that I could get my loans out of default and have all the negative credit information removed from my credit file ( s ) ( including the negative information reported by the loan servicer because I was told they report of their behalf ). I agreed to the rehabilitation even though they should have never gone into this status if the deferment and/or forbearance was applied properly ; however I was absolutely horrified that my credit had been impacted and I wanted to move forward with getting the matter resolved. All of my loans have been rehabilitated and the U.S. DEPT. OF EDUCATION has removed all negative credit information with respect to my loans from my credit file ( s ) but XXXX refuses to do the same. In addition, beginning in XXXX XXXX I replied to numerous e-mails sent to me by XXXX requesting forbearance for my loans. I also called XXXX multiple times in XXXX checking on the status of my loans and was assured my loans were in good standing. I called in XXXX XXXX in response to an e-mail I received from XXXX and spoke with a representative that assured me that the forbearance was approved and I would not have to worry about anything reporting as past due on my credit ; yet XXXX is reporting me delinquent for the months of XXXX XXXX and XXXX XXXX.
Consumer complaint received 2022-04-01
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: BANK OF THE WEST (AZ)

Bank of the West is stating that they spoke with me about issues with the GAP insurance and the loan. They have never had a conversation with me and I want proof of the recordings. There were never communications with me and if someone was stating to be me it is fraud and the recordings will show. Bank of the West is also stating and admitting the this car was paid IN FULL by The end of XXXX in 2018. This fraudulent error of keeping the negative on my credit report is causing my family to not be able to get a car or buy a house. The car was paid in full. Payments were never missed. Insurance paid and the GAP paid the bank. I demand that Bank of the West Furnish proof that they spoke with me and as well ask for good faith of removing this reporting from my credit report. Why would it be reported as bad debt when the bank received everything it was suppose to receive. Payments before the accident were perfect history and then insurance and GAP paid the rest. This is Blasphemous.
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (CA)

This particular credit card company 's employees continues to harass and discriminate me by asking 5/6 verification questions, when their employees refuse to give their employee IDs. I also believe there has been ID theft involving this credit card company 's employees. 

Additionally, this particular credit card company 's employees continue give wrong balance on Reward Points.
Consumer complaint received 2021-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal permanently limited my account due to false reason which is " sale of unapproved file sharing services ''. All I am doing is Bitcoin trading with XXXX. They did not conduct proper check on my account before they do that.
Consumer complaint received 2022-12-14
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. (AL)

I was affected with identity theft that cause me not to have credit or have bad credit due to incorrect information an reporting deceased illegally Equifax illegally allowing debt collector report false information on my report shouldn't be allowed to do cause my credit score to drop down XXXX points for they mistake nobody couldn't provide any information about my date of birth is XXXX I was effected with identity theft an it everything reported on my report should be removed off my report due to this problem I never have a open account they can't provide successful evidence anyone could use my name to get access to good no should anything should been approved with 2 form identity card an social security an proff of address fraudulent activity everything should be removed off my report