davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (OR)

The store card administered by TD Bank offers a deferred interest period of either 6 or 12 months depending on your purchase amount. They encourage you to sign up for electronic statements and billing, but their online payment system is designed to make you underpay during your promotional period so that you will be walloped with a massive amount of accumulated interest at an incredibly high rate. They have the online payment system rigged so that you CAN NOT pay any more than the minimum payment due each month on auto pay. Of course, if that's all you are allowed to pay through the system each month, then you will be far short of the total due during the promotional interest-free period. It is obvious that they have set their system up to increase the likelihood that consumers will either ( 1 ) have to make individual monthly payments, which increases the likelihood of missed or late payments, which will in turn incur late payment fees and it will be considered a default on the interest-free terms of agreement and they can start charging interest immediately ; or ( 2 ) they will only pay the minimum monthly payment since that is all that the online auto pay system will allow and then they will be be far short of having paid off the balance during the promotional period and will incur accrued interest at a whopping 29.99 %. 

This is THE ONLY online system I have ever used that prohibits consumers from making automatic monthly payments larger than the minimum payment due. It is down right fraudulent in their attempt to force consumers into defaulting on their interest free period. 

I called them on XX/XX/18 and they confirmed they will not allow automatic monthly payments larger than the minimum amount due.
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (GA)

I had {$7300.00} in my Truist savings account as of XX/XX/. I went in to a local branch to open a joint checking account and I was told by the banker that I had no money in my savings account and that it was closed. Theres no history of my transactions in any logs and theyve done little to help me. Theyve left me, my wife and my daughter out to dry because they made a mistake and making us pay for it.
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc. (CA)

I bought visa gift card. made me wait 1 hour to use ( scam ). then i lost it, and i called customer service and they said I cant get a refund or void the card. visa said it was banks problem and bank said it was visas problem. it sounded like from the same customer service center. I lost {$200.00} and I cant get it back. This is a scam!
Consumer complaint received 2021-02-11
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. (OH)

Citi Card Case # XXXX On XX/XX/2020 I was deceived and fraudulent charges were posted to my account. These charges were placed on my Citi Card. There were 2 transactions for {$500.00} each for gift cards to XXXX. I was told that there were fraud charges on my XXXX account and that I could reverse these charges with gift cards. I purchased the gift cards, thinking I was talking to XXXX. Then I was told the cards could not be activated and I had to purchase more. I was scammed. I notified XXXX but unfortunately the cards were used within an hr. of purchase. 

I did not use these cards. Can they be tracked to where they were used? Citi is refusing to reverse this charge because I purchased the gift cards. All of my accounts were breached electronically. XXXX XXXX, resolved. XXXX credit card company in the process of fixing. XXXX checking account is in the process. XXXX transfer to XXXX account, this has been fixed. XXXX HELOC account {$3000.00} in fraudulent charges in process. 

My personal charges on my Citi card are paid. Only the {$1000.00} fraud remains. I don't know what to do, or if I can do anything. Please advise.
Consumer complaint received 2018-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I am a XXXX and enrolled in the XXXX XXXX XXXX XXXX program. I was making payments as scheduled and when I called in to Navient to get information about my loan, they told me that I was NOT enrolled in the XXXX XXXX program and that they could enroll me now, but none of the payments I had been making would count towards the 10 years of loan payments. Every time I send in documentation, they somehow never receive it and I get a different story each time I call in.
Consumer complaint received 2024-02-26
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting Act. The List of accounts : 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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: U.S. BANCORP (PA)

Re : US Bank Relia Card. 
This card is for unemployment benefits. 
On XXXX XXXX I tried to transfer funds from the card to my bank checking account. 
The card was blocked. 
After XXXX hour " hold " on the phone i was told to fax a copy of my driver license for verification. This I did on XXXX XXXX. 
On XXXX XXXX I spent many hours on " hold " with " customer service '' at Relia card. 
After many hang-ups I was told that the issue is resolved and card is unblocked. 
But I was told that I still can't transfer funds for 2 weeks. ( No reason. ) These are my funds which I need desperately and I should have access to them as soon as the funds come in. 
Thank you. 
P.S. The Bank and Reliacard " customer service " should be re-named " customer torture ''.
Consumer complaint received 2018-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

Both XXXX AND Equifax but even more so XXXX since they are assessing me a fraudulent insufficient rating in my opinion have kept a 20+ year old student loan that was intiated when I was about " XXXX years old '' at a hair dressing school for which I was NEVER given loan information, counseling nor ever had it properly explained to me. I was NEVER even told the amount being borrowed in my name NOR given any documentation at the time. The loan was taken out by " then owner '' of XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX. I " believe '' by the former owner XXXX XXXX or XXXX or one of his appointments handlers at the school at that time ( circa XX/XX/XXXX ). 

Both XXXX AND Equifax have had this single loan listed NOT ONCE but " 3 '' times on my credit report! This should be illegal!!! I only ever had the 1 as mentioned " fraudulently obtained '' loan 20 years ago ; which furthermore it was a trade school & I was unable to finish & only attended a few months " part time '' no less & as a result returned all of the equipment & books & materials given to me when I first enrolled. A clerk at the school assured me that ANY loans taken by the school in my name would be canceled out! CLEARLY ... I discovered to my HORROR that this was a LIE! Not only was it never canceled out ; it was reported as delinquent some years later for which I " hand wrote '' letters of dispute to the Big 3 Credits Bureaus at the time. Not only has the loan not been removed from my credit history it is, as mentioned reported on my XXXX XXXX account as " 3 closed & unpaid student accounts ''! This is a fraudulent account & I have been victimized by this single situation almost 20 years now! I've been denied jobs, apartments, credit cards, personal loans ALL because of this singular false accounting which is listed as 3 by both XXXX & Equifax! This is a long time abuse upon me as a citizen in this country, especially since, I have NEVER had a single credit card, personal loan or mortgage yet to this day at almost age XXXX & being refused things like shelter and employment based on a fault credit history is an absolute disgrace & needs to be addressed immediately! PLEASE MAKE THEM FIX THIS!!!
Consumer complaint received 2021-10-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (CA)

On XX/XX/XXXX around XXXX XXXX local time I went to local western union money transfer services to send money to XXXX in the amount of XXXX XXXX ( XXXX ) dollars and additional XXXX ( XXXX ) dollars service fee. 
Went thru the process, handed the money, provided government issued ID and got my receipt with a transaction code. 
With in minutes I got text message from western union telling me the transfer is on hold to review information. I called western union customer service to clarification. The person who answered the phone told me that its just that they want to ask me couple of questions such as my full name, receiver 's name and location which I patiently provided even though all this information is already provided at the local agent 's office. 
then customer service person asked that I need to provide copies of my ID, social security card, passport, via email in order for the money to be released. 
I refused and asked to get refund because I am not legally required to provide copies of personal identifying documents in order to get your service. 
I went back to the local western union agent store to get refund but the agent can not issue a refund because the company put a hold even not to refund. 
The local agent talked to a western union customer service agent asking them to remove the hold so that she can issue a refund but refused the request to the surprise of the local agent who told me that in her fifteen years, she never have this happened before. 
Can a financial services company refuse to issue a refund when they didn't provide the services they agreed? Instead they insist on asking for copies of personal documents. 
This is classical profiling case by this financial service company. They are profiling me!
Consumer complaint received 2021-06-01
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 (GA)

On XX/XX/2021 I began receiving payments from unemployment and on XX/XX/2021 PayPal without notice closed my account with limitation of not being able to withdraw or add money to my balancevwhich is a little over {$4000.00} I have contacted them and asked for a partial release they will not give it to me this is my car payment money and my rent money now that I have also become evicted for my home I have one small child that lives with me at three dogs what are we supposed to do where we supposed to live what are we supposed to eat if PayPal has all my money please help
Consumer complaint received 2018-03-03
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX XXXX XXXX XXXX report on my inquiry XX/XX/XXXX on XXXX. Did not apply for credit with this creditor and did not give authorization. Called XXXX and XXXX to remove from my inquiries no action taken. 

Capital One Auto Finance reported on my inquiry XX/XX/XXXX on XXXX did not apply for credit with this creditor nor gave authorization. Called both parties to remove the inquiry from my credit report. No action was taken. 

XXXX Card was reported on my inquiry on XX/XX/XXXX did not apply for a XXXX card and did not give authorization to check my credit. The inquiry was placed on my XXXX and XXXX XX/XX/XXXX. Called all three parties to have them remove it and no action was taken.
Consumer complaint received 2018-03-03
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: JPMORGAN CHASE & CO. (OH)

XXXX XXXX XXXX XXXX report on my inquiry XX/XX/XXXX on XXXX. Did not apply for credit with this creditor and did not give authorization. Called XXXX  and XXXX to remove from my inquiries no action taken. 

XXXX XXXX XXXX XXXX reported on my inquiry XX/XX/XXXX on XXXX did not apply for credit with this creditor nor gave authorization. Called both parties to remove the inquiry from my credit report. No action was taken. 

Chase Card was reported on my inquiry on XX/XX/XXXX did not apply for a chase card  and did not give authorization to check my credit. The inquiry was placed on my XXXX and XXXX XX/XX/XXXX. Called all three parties to have them remove it and no action was taken.
Consumer complaint received 2021-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION (TX)

At some point in Fall XXXX, I was allegedly mailed notification that my flood insurance zoning would be changing. At the time, I was experiencing mail theft so I missed the notifications until XX/XX/XXXX when I saw that my mortgage charge was going up $ XXXX  monthly. Upon investigation, I found that there was an escrow shortage to the tune of about $ XXXX from my flood policy insurance holder, national flood insurance program direct servicing agent. For the last four months, I have been fighting with these agencies to determine why my premium is now so costly. For context, I live in a XXXX square-foot second floor unit, converted in XXXX with a new roof replaced in XXXX that has absolutely no risk of flood damage, because I ultimately only insure the inside of the unit. I also have a master HOA flood policy that provides more than XXXX of my required coverage from the bank, BBVA. For the last couple of months, going back-and-forth between the flood policy holder and the bank has been an absolute nightmare because I also got laid off in XX/XX/XXXX. Im able to pay my mortgage as is, but a raise of {$3600.00} dollars per year is not going to fit into my current budget. I have called and called, liaised with my condo policy carrier, state farm, and I keep getting nothing but arbitrary responses. I went ahead and bought a private flood insurance policy so that I could cancel the NFIP policy and pay less, and NFIP told me they refused to cancel my policy unless I sold my property. I am really stuck here and need help!
Consumer complaint received 2023-02-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC (KS)

Today on XXXX XXXX my wife got a notice in her private email that I had a payday loan payment due for {$570.00} that supposedly had been originated on XX/XX/2023 at SpeedyCash. I was at work and not even available at that time. So obviously it was not me that created the application. Further, when we called to verify information, we were told the phone number and drivers license number did not match the rest of my information that was used. But, the account was fraudulently created anyways even though that should have created a huge red flag.
Consumer complaint received 2020-06-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (VA)

On XX/XX/2020, I was surprised to have opened my credit report and saw that Receivable Performance Management had placed an unknown account with the credit bureaus XXXX, XXXX  and XXXX. I have never receive a bill, a phone call or any statement of any kind from this collection agency. I called the collection agency and was able to confirm that they were not aware of my phone number, did not have my home address and was only aware of my email address.The agents even confirmed that they were not able to notify me of the debt. I asked to have the item to be deleted since it was not mine and was advised that they needed to submit a request to their manager and it could take 24 hours. I'm in the process of buying a home and this major error took my credit score down 25 points. I have cried on the phone called several times, been hung up and felt like I had to pay for something that was added to my credit report in error. They have dropped the ball and have failed to notify me of this debt, and due COVID-19 and other areas of horror I will sue them if it is not removed immediately. This company has violated my consumer rights.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Commonwealth Financial Systems, Inc. (CA)

on XX/XX/XXXX I called this creditor to obtain further information in this alleged debt. They could not provide me with verification and or why this is listed as a past due and collection, How is this possible? This is an alleged XXXX Debt of {$100.00}. Please remove this inaccuracy from my credit reports.
Consumer complaint received 2021-12-08
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. (PA)

all three reports have been reporting different dates since the have been reporting on my reports, I asked for proof of accuracy XXXX  they can't. Literally when i call they confirm that they can't. I don't understand how I was never billed for these accounts yet they are reporting reporting not only late/closed but also a collection ( can it even be both? ) I went to refinance my house XXXX  they told me I had derogatory remarks XXXX  was not rejected. At this point I'm not use what to do get justice, this is information is inaccurate XXXX  completely false. You can not report inaccurate information this a violation.if the law can't help me who or what will? Please investigate that this account is reporting XXXX accurate i see so many errors which is a FCRA violation XXXX  XXXX  XXXX are reporting the same dates XXXX  TransUnion another. I told them about it XXXX  they still are violating me by listing misleading information. I can't believe this is my life right now I can lose the roof over my head due to these false accounts. As soon as possible I need these accounts updated by remove all late payments XXXX  change the payment status to current because of Cares Act or deleted at once.
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XX/XX/2021 I received an email " stating Important Message from XXXX  DEBIT CARD : Dear User, this is to inform thatn your XXXX Debit card has been restricted. To get the restriction lifted, kindly verify at XXXX XXXX  XXXX. So I clicked on the email address, it looked like a Bank of America web site. But it asked me for my account number and password. I thought something was wrong because I don't have a B of A account. So I immediately closed the web sit page. I did reply to this email and stated I don't have an account with B of A. they never responded to my email. Then on XX/XX/2021 I went to purchase some gas. I used my XXXX  DEBIT CARD. it was declined. I knew something was wrong so I called customer service at XXXX and spoke with someone regarding my card being declined. I was told my account had a XXXX  balance. I explained to the rep. that something was wrong because I should have had {$520.00} in my account. I'm on XXXX XXXX. So I told the rep. that I would call back once I reached home, so I could tell them exactly when and how funds were deposited into my XXXX account. When I called back XXXX I explained to the rep. about the email I had received on XX/XX/2021 she stated that the email was a fraudulent email and that they had been receiving numerous calls about the same thing. I explained to her that I didn't give any of my personal information out. So she closed my card associated with the fraud. And reissued me another card. So the rep. explained that there were numerous charges on my card to XXXX. the crooks used all my funds and left me with {$15.00}. So the rep. advised me to wait and call back to Customer Service XXXX on XXXX and file a complaint and dispute all the charges made to XXXX. So I filed a fraud dispute claim on XXXX. I'm supposed to hear from B of A within 10 days. As of XXXX I haven't heard from B of A.. I'm on XXXX XXXX and I have to pay my bills. I feel like Bank of America should have given me my funds back through what they have called " Provisional Credit ' they can continue to dispute the fraudulent charges claim. I'm so disappointed with Bank of America for handling my situation this way. I'm going to contact XXXX as well. Can someone please help me get my money back.
Consumer complaint received 2023-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (NJ)

Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.It has been more than 7 months and I have never been given any information of the results of my request. I dont recall informations and I have never given permissiion to furnish any of the details on this account information. Account information disputed by consumer, meets FCRA requirements. I am requesting that this accounts referenced to the attached letters be removed from my credit report as soon as possible.