davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

I deposited a check and was told I can not access the funds for 10-15 business days. I need my money. I'm going to be evicted because of this. After being on hold almost an hour, I was told I can not speak to a supervisor because my account is less than 2 years old. I was given no reason for this delay, and offered no recourse or access to my own money
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

XXXX is reporting a bankruptcy on my credit report and they have put in a furnish date XXXX and Alabama XXXX which is false. 
I have attached a letter from the United States bankruptcy court XXXX XXXX XXXX XXXX  verifying and stating they dont furnish any information to over to any credit reporting agencies or provide any bankruptcy information to any credit agencies. 
XXXX is falsely stating this information and sharing this false information with other credit agencies and yet to removed this false information from my credit report
Consumer complaint received 2024-05-02
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (TX)

I have had a checking account with XXXX XXXX  since XXXX with no issues. For approximately XXXX years, I have had my XXXXXXXX XXXX  checking account linked to my PayPal account to exchange funds with friends/ relatives/ businesses, etc. 

On XX/XX/XXXX, unknown person 's unlawfully logged into my PayPal account, by unknown means, a made a fraudulent purchase through XXXX XXXX XXXX XXXX XXXX, in the amount of {$160.00}. 

I was instantly alerted via email by PayPal that my purchase was successful. Since I knew I had not made any purchases and I do not have any XXXX accounts, I logged into my PayPay account and saw not only the fraudulent purchase, but that someone attempted to set this payment to Autopay to come out of account regularly. 

I immediately changed by PayPal account password, cancelled the autopay and attempted to dispute the transaction with PayPal by submitting a complaint. The response I received was they would review it and make a decision. Within XXXX day, PayPal notified me the payment was NOT determined to be fraud and they were authorizing the payment to XXXX. 

My PayPal account, on the date of the fraudulent purchase, had a balance of XXXX from a payment from a friend who I paid for an excursion with. Therefore, PayPal used my balance and attempted to pull {$130.00} from my XXXXXXXX XXXX  checking account. 

Luckily, once I notified my bank, they stopped the payment to PayPal so my checking account balance was not affected. However, I did have to close my account and open a brand new account to prevent this from happening again. 

Now, PayPal is claiming I owe them {$130.00}, which I do not and will not pay on account of them refusing to stop the payment. 

I did reach out to XXXX XXXX ' customer service center, also. They were of no help and would not provide me with any information since I am not an account holder with them. Which is ironic because you'd think me not having any accounts with them, would also be an indication that I did not make this fraudulent purchase. 

The only information I can see regarding the fraudulent transaction, came from PayPal 's record which reflected the following : Seller info XXXX XXXX XXXX XXXX XXXX. 
XXXX Invoice ID XXXXTRAN Purchase amount {$140.00} Tax {$12.00} Total {$160.00} Paid with PayPal balance {$160.00} Transaction ID XXXX
Consumer complaint received 2024-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My 2016 XXXX XXXX was stolen from my job. After numerous times of disputed the errors to my credit bureau they refuse to remove it from my credit report. I call multiple times to XXXX XXXX  and ask them to locate the vehicle but they refuse to help me find the vehicle. Finally I default on my loan because I refuse to keep paying for a car that I do not have. When XXXX finally repo the car they offer to settle my loan but by that time I did not want the car as I was vandalized beyond repair. Thank you
Consumer complaint received 2020-08-26
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. (GA)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$980.00} XXXX XXXX  XXXX {$1800.00} XXXX XXXX XXXX  XXXX {$2300.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$300.00} XXXXXXXX XXXX  XXXX {$110.00} XXXX XXXXXXXX {$1200.00} XXXX XXXXXXXX {$160.00} XXXX XXXXXXXX {$64.00} XXXX XXXXXXXX XXXX {$8800.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX  XXXX {$4400.00} XXXX   XXXX XXXX {$1200.00} XXXX XXXXXXXX XXXX {$1300.00}
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (PA)

XX/XX/XXXX {$29.00} retuned payment fee. ( Said account was closed ) Account is not closed. I made 3 more payments from that account. XXXX XXXX XXXX
Consumer complaint received 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MD)

Early XXXX I received a credit card bill for {$1200.00}. I did make the charges. The problem is that this credit card company has a habit of not sending the billing to inform the customers of the amount owed. In other words, I did not receive a billing statement for the month of XXXX. This way they add the late fees and interest and hopefully in my case get me to make payments. For years I have paid my monthly balance in full, and they make no interest of late fees from me. How I know this is not a mistake. I called the credit card company and asked if I could have a wavier for the late fee. The agent replied no because I have already been granted a waiver within a year. I then asked the agent how the bill was sent to me, was it paper or electronically. He replied electronically. I instructed the agent that I will pay the bill in full as we speak on the phone once you receive payment close the account. He transferred me to another agent which I gave the same instructions. The new agent I asked the same question, which billing method are you using to send the bills to me. He replied paper. So, I asked how much is the pay off. He replied {$1200.00}, I paid online, and he closed the account. After stealing this company had the nerve send another bill for {$14.00} stating interest. This is how they entrap seniors.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (AL)

On XX/XX/year> I wrote a dispute letter to LVNV as well as XXXX, XXXX and XXXX. I was requesting either a signed contract with LVNV or a purchase agreement showing that they had purchased the rights to collect debts that they claimed belonged to me. They were reporting XXXX collection accounts on my credit reports. On XX/XX/year> I received a notice from XXXX that an investigation had been done and that XXXX of the collections had been removed from my credit report. The second one remained on my XXXX report despite the fact I never received a copy of a signed business contract or a debt purchase agreement as I had requested. 

As of this date, XX/XX/year> the LVNV account that was deleted from XXXX is still being reported to XXXX and XXXX - and I have still not received either documentation from LVNV that I requested. Additionally the second account is still being reported to all XXXX credit bureaus despite the fact I have not received any contract of debt purchase agreement.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

I am a beneficiary for accounts in Citibank ( also trustee/executor of an established living trust. ). Owner had died with a death certificate dated XXXX. On XXXX, I obtained the Owner 's monthly bank statements and noticed fraudulent transactions beginning XXXX. I provided constructive notice of fraud ( explaining how certain mysterious new transactions of a XXXX XXXX XXXX were happening 2 weeks after his death including student loan payments, rent payments, and credit card payments ) to the branch manager. 

Provided death certificate to bank branch on XXXX and had the branch try to resolve my issue. Citibank 's fraud investigation team noted that it will need time to investigate. 

On XXXX ( and per email ), I received notice that no investigation had began, and that I would need to go through probate to obtain Letters Testamentary. I responded on XXXX with an email noting an unsatisfactory response and negligent fraud monitoring/fraud investigation department ( which I would also request you look into ; their fraud monitoring department is inefficient and negligent ( see my examples to as why in the email. ) Their executive response unit responded on XXXX with a case number XXXX ', stating that they will look into my claim. 

On XXXX, I discussed with Citibank XXXX XXXX, XXXX XXXX certain transactions for her to look into. On XXXX, I received a 'closing " response letter stating that I will still need Letters Testamentary to initiate a fraud claim. The subsequently closed my initial claim number XXXX ' stating that they had 'successfully " resolved my case within their specified time frame. I disagreed, and they opened a new claim XXXX '.
Consumer complaint received 2024-05-01
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: QC HOLDINGS INC (WI)

LendnationXXXX Told me on voice recording that I had a XXXX XXXX I have been trying to use this {$120.00} credit for a while now. Each time they keep refin asking and not giving me my {$120.00} credi had on. I have. 
Refinance this account twice and they still will not give me my credit. I was told by the first employee that works for then to try back the next following XXXX. Then XXXX of this year. I tried again.Still no credit.I was told by a young lady that I can't use it the critic at all but they keep going up enough but they don't want to give me my credit
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I received a letter in the mail this morning XXXX XXXX stating that my business account will be closed XXXX XXXX I am a law-abiding individual conducting legal business within the state of California. XXXX XXXX XXXX XXXX XXXX that has had a tough past couple of years, but we managed to survive and keep working. Now, the bank I have been a loual customer of for 13 years is doing this, and I have a full intention to find out what has happened. There was no activity that would jeopardize my good standing. I strongly believe this is a mistake or an oversight on the bank side. I have payroll and payments that need to be made. I can not seem to conduct business anymore
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (SC)

On XXXX I was scammed out of XXXX by a travel agent for a flight. I reached out to chase to dispute the charge and they did and gave me a provisional credit. On the XX/XX/XXXX the claim was reversed and took back out of my account. ASSUMING that I was doing the right thing and that the situation would be taken care of i uploaded supporting documentation stating that it was indeed fraud even tho they thought it wasnt. I got a police report from XXXX XXXX sheriff office and submitted it like I was told and was told I would receive an update in 5 business days. On XX/XX/XXXX which is the XXXX business day I received a message stating my account may be closed if I dont answer questions. I went to chase & sat down with XXXX helpful gentlemen, and they told me my account was being restricted and I cant withdraw & would be mailed a check after the investigation is over with!!!! SO NOT ONLY AM I OUT OF XXXX they are holding the rest of my money XXXX! They didnt even give me my money back for the claim!!!! Well I have an issue with this. I have multiple bills that have been turned off due to this. I have been scammed and Im being treated as if I am the person thats scamming someone. Its clear as day I have a police report stating that it is fraud so why is my money being held? Im disgusted. Im being told it will be 10 days and they will send me a check. I am livid. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been with chase for a while so this is insane that they are holding my money because of this. I am literally disgusted with chase bank. I work hard everyday to get a head just for my money to be held XXXX because of what a scammer did to me. I have no issues with the bank closing my account for suspected fraud thats their job, but when you hold my money and keep my deposits thats a issue. No bank should be able to do this and the last thing I wan na do is get a attorney involved because of how they are treating me after being scammed, but I will. this has caused me a great deal of emotional distress being a single mom of XXXX kids. I was scammed twice at this point. Once by chase, and once by the scammer! All I want is my money back! They should be more focused on finding the actual person and locking him up for what he did to me! I didnt wan na take this far, but I have to get my money back and Im not gon na wait for 10 days to get it in the mail cause I didnt do a thing wrong for them to do this to me.
Consumer complaint received 2020-08-26
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: Experian Information Solutions Inc. (NY)

While I have been going back and forth with all the banks, credit people and all, it started about 2017 less then a year after my XXXX brother died. Once he died some how his ssn ended up on credit report along with all his debts followed by every account of mine is closed, no bank will accept me nor credit card. I have no debit but some how have incurred about 100 inquires that I can account for some but maybe 12 and it continues to get  worse. I am unable to verify my identity online, lost a job because I couldn't accept direct deposit. I'm on the brinks, then to top it off I'm ready to loose it. Please help me. I have contacted everyone.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: REGIONS FINANCIAL CORPORATION (AL)

In XX/XX/2024 I applied for a credit card in my name from Regions. I currently am primary on a XXXX w/ my XXXX Over 2 yrs with no late pay, no over draft, once did I go over 75 % of credit limit {$460.00} ) and I paid it off in full within 4 days. In XX/XX/2024 I received a denial letter. 
My complaint is that I was denied by having a XXXX XXXX of XXXX. My Regions app showed a XXXX score of XXXX, I was told XXXX XXXX scored me a XXXX score of XXXX. I received an email from the underwriter to the bank employee. Below is what the I received in the email. Please also read the attached and start with the branch XXXX 's email to the underwriter. 

Good morning XXXX, the score that you are referencing are provided to us by XXXX XXXX which the XXXX score is based on what XXXX scores a consumers credit and from my experience the score provided to the consumer will always differ from the score provided to a lender as lenders can communicate to the credit reporting agency on how they would like their particular products scored. 

My concern is that Regions purposely manipulated my credit score. I have reached out to the branch XXXX, underwriter, and the underwriters supervisor, a VP w/ Regions. Not one time has anyone explained to me the discrepancy in the credit reporting and how there can be such a variance, they are refusing to give me an answer, even when I asked clarification on the above statement that " lenders can communicate to the credit reporting agency how they would like their particular products scored ''. 

Is Regions bank telling XXXX how to score my credit? Again, my app showed XXXX the day of the application and I was told XXXX scored a XXXX. I need help understanding how there can be such a variance with only 4 days above the 75 % limit with no other concerns in over XXXX yrs as a card holder. I've had XXXX XXXX at the same XXXX for over XXXX yrs and I'm a full time XXXX XXXX  on the XXXX 's XXXX. 

I feel Regions bank is discriminating against me for my age and manipulating my score card with them to suit their needs a lender. Not one time has anyone reached out to me to help me understand what the concerns were and how as a customer I could improve these concerns. I'm only trying to build my credit as I'm finishing XXXX. I've done everything correctly with my time as a Regions customer. I will attach the email chain. 
Thank you for your time.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

I have been very disappointed with the responses on my fraud case. I have spoken to a couple of Wells Fargo case specialists with no result other than sorry you authorized the fraud we can not help you! ( I did not and I have provided them with proof that it was their authentication system that was used ) I have received calls from other specialists and when I try to call back mailboxes are full or I do not get a call back. Then I get a letter in the mail stating that there is nothing that can be done. ( when I try to call back that specialist I get nothing ) I can not let this go. I lost near XXXX on XX/XX/2023 and have not been treated very fair as a customer. This has devastated my life. One specialist even admitted Wells Fargo should have more layers of protection yet the fraudsters win! They have not even offered me a small compensation for their lack of security on their systems.

Please provide me time with someone who can actually work with me on this. I will continue to escalate this as long as it takes. I plan to continue to complain to bank and federal agencies and am preparing information for the local news as well.

Thank you very much! 
XXXX XXXX
Consumer complaint received 2024-04-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC (TX)

XX/XX/year> i was approved for $ XXXX loan and received apprx {$6200.00} the rest was fees to the company. My payments are approx {$270.00} per month. As of XX/XX/XXXX my balance was approx $ XXXX after paying XXXX for 9 months totaling approx {$2400.00}. The interest rate is approx 24 % for 36 months. I feel something deceptive is occuring with the interest and fees. How is it that after paying {$2400.00} my payoff is still over $ XXXX. Each month I noticed they apply different portions of my XXXX payment to interest. This info was not made clear in the small font of the many pages of the application. I just paid the loan off early with up front interest of 36 month that I should not have to pay. In total I have paid approx {$8400.00} for a 9 month loan and initially received approx {$6200.00}. There is no way they should received XXXX in interest. I was told they charge a daily interest of XXXX.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (CA)

Ive been a member of Wells Fargo since XXXX and Ive always noticed Wells Fargo would charge me twice for big transactions but then the next day the charges would change on the dates. For instance Friday I get paid I go out to eat and spend XXXX dollars they charge it that day. then in like 3 days they take my money again. This has happened multiple times and they always say the same thing that its pending and thats what it says on the bank account after they already charged me for it. Ive fought it many years ago.and it just keeps happening. If you could look into it I would appreciate it.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I applied for a capital one venture one card, they advertised while applying that this card comes with a welcome offer for bonus miles and 0 % apr for 15 months. ( See attached ) However after applying and getting approved the welcome offer was not available to me. In the approval email I received they mention that I will not get the welcome offer ( see attached ) I called up the bank for a explanation and they answered something along those lines we can not tell you the reason youre not eligible because this happens automatically through the system, but in the terms and conditions we mentioned that eligibility will be determined after approval however the terms & conditions does not say anything like that, ( see attached. I meet all requirements mentioned in the term & conditions.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

This two accounts are reporting as late on my account and its incorrect pls fix it. I called both XXXX and XXXX XXXX and they told me they are incorrect an are not reporting it on there end. As a consumer, you have the legal right to dispute the validity of any collection, inquiry, or account on your credit report. Upon doing so, the debt collector or the company who performed an inquiry must provide documented proof that they have followed all applicable laws and regulations. If they fail to provide this proof, then the credit bureaus are required to remove the negative items from your credit report Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number XXXX