davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

This complaint has to do with my my previous case # XXXX. For some reason my case was no available for viewing and I did not have the ability to respond to there claim in it 's enity. There last response letter, referred to a letter they claimed I wrote. On XXXX XXXX, I still had not been given any bank records ( I only had the XXXX statement dated XXXX. They claimed I listed all XXXX accounts belonging to in brother. The only information I had were the last XXXX numbers of his checking and Money market accounts. 
They also claimed the letter stated I was claiming reimbursements for XXXX checks. The reason I am certain I did not write such a letter was because a banker, employed by Bank America at a NC branch, called the Check Fraud Claims Dept for me because no one responded to my request and my emails and phone calls wee ignored. We did not ask for payment on utility checks that forged because they had become my responsibility. XXXX of the XXXX checks I was reinbursed for they went back into his closed account. Long story short my account got so screwed up, I would have to hire an accountant to determine if the balance was accurate. 
I also am challenging the letter they enclosed was ever written or mailed to me. When someone suggest they withheld monies because they believed I was forgoing the checks. 
That is one letter you would not forget receiving. Do n't have time to point out other errors made by it 's author. 
Since they failed to send a copy of my handwriting so you could see my handwriting does n't come close to the checks they claimed I forged. 
Please notice their final response as to why they could not provide me copies of the banking records was because listed in their customer agreement booklet it states that they must retain a clients records for at least 5 years. I did not see where it states copies were not privy to Executor 's and that their banking regulations supersedes the Laws that are on record that they are required to uphold. Maybe because they want to believe they are above the law, someone simply needs to explain that in reality if they were right, all the law suits costing them XXXX, would diminish in numbers, and they could make a profit just by abiding by the law. 
, ( DMV. originally was a {$45.00} payment buu in XXXX so many late FES, returned check fee, they were now asking by the live in animal care taker, and errand runner
Consumer complaint received 2024-02-27
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I got a car from a dealer ship buy here pay. XXXX XXXX At the dealership I was told I would pay total {$17000.00}. For a XXXX XXXX XXXX XXXX that had XXXX thousands miles on it. After several attempts to refinance my car because the payments have been hard to maintain. So I stopped trying to refinance my car. Just so I knew I checked Credit Acceptance who has the account. On that app it says that I owe {$32000.00} total. And I have {$22000.00} left to pay. Which what confuses me because I check the value of my car with the miles of at what I bought it at. They are only worth {$9500.00}. I've had to fix the starter twice. I had to maintain everything that happened to.
Consumer complaint received 2015-06-12
Product: Credit card — 
Issue: Cash advance fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XXXX XXXX, 2015 I made a series of bill payments using my Capital One credit card. I used my Capital One card so that I could gain the rewards points. XXXX of the payments ( {$820.00} paid to XXXX XXXX ) was processed as a cash advance ( unbeknownst to me ). On the same day that I paid my bills with my Capital One card, I also made a payment to Capital One in the amount of {$1400.00} to cover all of the charges that I had made the same day. Now here we are 1+ months later and I learn that I have been charged a {$24.00} cash advance fee, along with a seperate line of interest in the amount of {$11.00} becasue cash advances are charged at a higher amount of interest. I contacted Capital One to find out why my charges were n't just wyped out with the payment that I made and to protest the continued interest on credit card bill for a " cash advance '' that I have already paid back. I was advised that the " cash advance '' did n't post until the following day and the payment had already been allocated. I have also been advised that the only way that I can stop being charged ADDITIONAL interest for this " cash advance '' is for me pay off the " cash advance '' again.
Consumer complaint received 2024-02-27
Product: Credit 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 ordered lights with a XXXX XXXX XXXX from XXXX. 
I never received the product I ordered. 
I did receive a product I did not order and offered to ship it back at their expense. 
XXXX said they would ship the product I ordered again, after I contacted them. 
I never received what I ordered. 
I then filed a dispute with the merchant. 
They said they would ship the product if I closed the dispute. 
I closed the dispute and never received the product. 
I sent the dispute to my credit card company. 
The credit card company contacted the merchant and the merchant refused to refund.
Consumer complaint received 2021-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I recently checked my TransUnion credit report and noticed several unauthorized inquiries. I immediately called them to have them removed and placed a lock on my file. They failed to assist in removing these unverified inquiries from my report although I expressly told them I did not authorize these inquiries.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

I am writing to address a concerning issue regarding the reporting of my credit history by XXXX, one of the major credit reporting agencies. Specifically, I am disputing the late payment reported on my credit card account with Comenity Bank, identified by account number XXXX or XXXX as it appears on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S. Code 1681, it is crucial that credit reporting agencies ensure the accuracy and fairness of the information they report. However, I have observed that Comenity Bank is inaccurately reporting a late payment on my account to XXXX. 

This discrepancy is particularly troubling as the late payment is not reflected on my credit report with XXXX nor XXXX. Per subsection b4 of 15 U.S. Code 1666, which addresses the correction of billing errors, Comenity Bank is obligated to rectify any inaccuracies in reporting to ensure consistency across all credit agency reports.

Additionally, in accordance with 15 U.S. Code 6802, Comenity Bank is required to provide consumers with the option to opt out of certain information reporting, such as late payments on credit reports. However, I have not received an opt-out form from Comenity Bank , as mandated by subsection b of 15 U.S. Code 6802. This failure to provide me with the necessary opt-out information violates my rights as a consumer to manage the disclosure of personal information and operate fairly in commerce.

The inaccurate reporting of this late payment has had significant adverse effects on my financial well-being and ability to engage in various transactions. It has hindered my ability to obtain mortgages and extensions of credit, causing undue stress and hardship for myself and my family.

In light of these violations and the resulting impact on my financial rights, I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in Comenity Bank 's reporting. I also request that Comenity Bank be held accountable for their failure to provide me with the necessary opt-out information as required by law. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure fair and accurate credit reporting practices are upheld. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I have a Capital One XXXX card. I recently was surprised to learn that a program called the XXXX Account Updater is a part of my card agreement. This is a program that allows XXXX to give new account information to companies seeking payment for recurring payments that ended when the customer had to get a new card. In my case, I informed XXXX XXXX XXXX XXXX that I did not want to renew my subscription. They charged my account anyway on a card that had been discontinued, but they were given my new card information by XXXX. I have tried to opt out of this program, but Capital One does not provide an Opt-out form for the XXXX Account Updater. In checking the internet I see that many other banks that issue XXXX credit cards offer their customers an opt out form for the XXXX Account Updater. 
Capital One tells me to call XXXX directly. I have called them three times and XXXX tells me that the bank who issued the XXXX card ( in this case, Capital One ) must provide me with the opt out form. Capital One repeatedly has told me they do not provide this service. 
I do not want companies to have automatic access to my new account information with out my explicit consent. I know I XXXX have unknowingly agreed to this when I did not read the terms of service, but I understand that other XXXX customers are able to opt out of the XXXX Account Updater, if they have an issuing bank that helps them. Capital One is not helping me.
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (FL)

I had an account with XXXX XXXX and my account Was paid in full and I do not have XXXX anymore because they have made me pay for services over 2 years and all was paid up and now I have an account with XXXX XXXX  and if my account was not paid up I wouldnt have NOT been able to get an account with XXXX XXXX!! 
SO THIS BILL IS DEFINITELY A MISTAKE AND I DO NOT OWE ANYONE SUCH A BILL!!! 
I can call XXXX. And have them email a statement that I do not owe such a bill and that my account was PAID IN FULL! 

If this Jefferson Capital continues to harasse me I will definitely report this to the XXXX AND HAVE MY LAWYER CONTACT THEM ALSO!!!! 
VERY TRULY YOURS MS XXXX XXXX
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (IN)

Received notification that an account was reported to my credit bureau and was marking me late on a collection. The account was from 2007 with XXXX. This account was taken care of years ago. When I called JEFFERSON CAPITAL SYST and told them I wanted verification of debt to give to an attorney that I was hiring to go after their scam, they refused to provide me with anything. They said they would only talk to my attorney and not send me anything. 
This debt is impacting my credit and is not even one that I owe.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (AL)

XX/XX/2023 I requested that overdraft protection be removed. On XXXX XXXX, I incurred an overdraft for {$130.00} from XXXX XXXX. I contacted the bank and informed them I removed my overdraft protection so as not to incur any overdraft fees and I did so with assistance from the Executive office. REGIONS bank assigned a customer service agent to my account. She stated she would find out who removed my overdraft protection then get back to me as it would assist her in addressing the issue. Well she got back to me and stated she had contacted the person yet I was notified via mail that recurring charges could not be restricted. This is untrue I have online banking as I went paperless and I never got notification of what she stated. I even reviewed the mailings I got from REGIONS and the mailings were simply solicitations for other bankring products offered by REGIONS. I have now incurred {$180.00} in overdraft fees from this XXXX transaction as each smaller transaction that was presented afterwards I was assessed an overdraft fee.
Consumer complaint received 2016-01-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Kohls company will call XXXX times a day, will not leave a message, and is at all hours of the day. I set up a payment to be automatically taken from my account on a specific day. That day I looked in my account and saw it was pending. Kohls company called me XXXX times even though I had made the payment. They need a better system.
Consumer complaint received 2024-02-26
Product: Credit 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: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2023, I signed up for a timeshare account with XXXX XXXX XXXX  ( XXXX ). At the same time, XXXX opened a Hilton American Express credit card account in my name to make a payment for the timeshare. ( Reference Credit card ending in XXXX in the name of XXXX XXXX XXXX for {$4000.00}. Am Ex reference number XXXX ) Soon thereafter and after consulting with an attorney, I was able to cancel the timeshare. The legal reasons for the termination were ( among others ), it was an unconscionable agreement, it lacked consideration, there was misrepresentation and a lack of attorney representation. The timeshare was never used. 

I transferred deeds back to XXXX and waived all my rights to the timeshare. 

Thereafter, effective XX/XX/2023, I received confirmation from XXXX that the timeshare contract had been cancelled and the associated vacation ownership interest had been transferred back to XXXX. Please see attached letter. 

The credit card was not used for any other purchase. We requested the credit card charge be taken off and the credit card could not be cancelled. On XX/XX/2023, we received a letter from American Express saying they could not remove the charge as the merchant had not cancelled the agreement. They urged us to resolve the matter directly with XXXX. 

XXXX has now cancelled the timeshare agreement. We have resolved the matter with the merchant per the direction of American Express. Therefore, there is no valid charge that should remain on the credit card. We have written American Express numerous times with no reply. 

Please have the charge removed from the credit card immediately so that my good credit can be restored. Thank you.
Consumer complaint received 2024-02-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

Beginning in mid-XXXX 2023, Incomm began restricting use of card funds due to new security measures. When a transaction trips their fraud algorithm, the card is declined and locked. Incomm makes no effort to resolve the card security issue by releasing the lock after a certain time period. I have several cards that I've been unsuccessful in using for weeks. 

I've been in touch with XXXX XXXX, a Specialist I, with Incomm to resolve past issues with these cards. But she has stopped replying to my emails, so I again need to resolve this with some help from a regulator. 

The card serial numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I 've had my checking account with b of a since 1999 & I 'M BEING CHARGED ERONEOUS FEESThe bank talked me into adding my husband so we could have a " tiered '' account and never be charged a fee, that was 4 years ago. 
We added husband. Every 6 months the bank drops my husband and we are charged eroneously the {$25.00} service fee. Every 6 months I have to call and complain, takes about XXXX - XXXX hours by the time I hold for the XXXX representatvie, then I 'm transferred ... again and again and again. It 's like they trick you into signing up for a special account then they switch it so you are charged. The last time this happened Bank of America advised me that their risk system is set up this way, to auto drop the tiered accounts and that there is no way to stop this from happening. I advised not the customer problem. You Bank of America need to fix this risk rule. Then in order to get my husband added back on, I have to get him conferenced in while they, Bank of America verify 's his information, they claim because it 's " maintenance '' being done on the account. I asked ... Is n't it maintenance to take him OFF the tiered account, that we DID NOT authorize, why is it ok for you to do maintenance on the account and take him off but now in order for us to avoid a fee suddenly you need authorization. Every six months we are charged {$25.00} for the bank, bank of america dropping us from the tiered plan. This is a joke, hoax and sounds illegal. They need to fix their " risk '' systems and stop stealing money from customers. 

The bank says it 's ok and they allow the bank to allow maintenance on the account to remove my husband from the tiered plan and charge us money ( no authorization needed to remove husbands from tiered acct so they can charge us ) But the then the bank says, they must have authorization, without authorization to add him back on tiered account that they removed him from, we will continue to be chargedThis is now the XXXX time this has happened. 
I have spent more than XXXX hours fixing this issue everytime the bank steals this service fee from our account
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I don't even know where to begin. But there are over XXXX hard inquiries on my credit report ( XXXX ) I also have payday loans contacting me telling me I owe money. I can't even access XXXX XXXX anymore. Nor IRS.gov or XXXX XXXX will not upload my id. I am owed stimulus money still, owed tax returns and my credit dropped XXXX points in XXXX. It's clearly some type of identity theft. A mess. Please help XXXX or leave message with sister XXXX XXXX at XXXX if u can't reach me. Email XXXX XXXX
Consumer complaint received 2021-11-01
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: CAPITAL ONE FINANCIAL CORPORATION (DC)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, DC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX 3. CAPITAL ONE Account Number : XXXX Please remove it from my credit report. 

4. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. XXXX Account Number : XXXX Please remove it from my credit report. 

6. XXXX Account Number : XXXX Please remove it from my credit report. 

7. XXXX Account Number : XXXX Please remove it from my credit report. 

8. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2015-05-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I XXXX XXXX applied for a loan modification with Bank of America, for years they denied me a modification then this year they said if I make trial payments they will give me a modification. I made XXXX trial payments and then they send me a loan modification agreement. And I cant accept it because they want an outrages amount of money that I do n't have. They did n't forgive me the past dew amount. I know there are government programs that exist for these situations that are supposed to help the consumer like my self. But I do n't see those programs working. Please help me with this.
Consumer complaint received 2024-02-26
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (KY)

On XX/XX/24 I purchased a Money Order at XXXX with 2 XXXX XXXX. The money order failed to print. I worked with XXXX management at the store and was told that the money would be automatically refunded to the card. I contacted XXXX XXXX support at XXXX. I was told my case number was case XXXX and any emails can be directed to XXXX. I was told that I would be receiving a form. I have not received the form and not received any emails either even after asking for an update on my case. Now when I try and access the card online it gives an error message. 

Two cards are the following : XXXX XXXX