davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I called to close the account because I was living in XXXX for 6 months and could not access the payment website due to the XXXX security compatibility issues with many US websites. It took me an hour, but they said that the card was closed. However I then started receiving late fee notices. I was not able to log on because I was still in the XXXX, but when I called and spoke to a representative, they apologized and assured that the fee would be refunded and the account closed. I had to call yet a third time and threaten to file a report if they did not follow through with account closure and the late fee refund. I was again told that the account would be closed and the fee reversed. However now this penalty from long ago appears on my credit report. I called Capitol One about the credit reporting and was told there was nothing that could be done as the account was closed. The account was closed XX/XX/2019. Unfortunately I tore up the credit card and can no longer access past statements for the card number as the account is closed. I am happy to forward my social security number if you need this.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (MD)

I have XXXX accounts with Citi Bank. XXXX is a business account and the other a personal account. I received a check from a client for the sum of {$2000.00} ; the check was cleared after some days and I proceeded to utilize some of the funds for business transactions. Today I tried to log into and access my account I saw that I could not view my account online and also same for my business line. I called citi and asked why and they stated that they restricted my business ( LLC ) and personal accounts because of the delay in verifying the check I paid in. I told them I do not have a problem restricting my business account but on what right is my personal account being restricted. They stated that the reason for this restriction is that in case they are not able to clear the business check and my account goes into overdraft, they will need to pull money out of my personal account to clear the deficit. I challenged this reasons for illegality because my personal finance should be separate from my business fiancne. Thats why its classified as an LLC for a reason. Citi continues to resrict access to my personal accounts causing great inconvence on the probability of a check not clearing ( there reason being that that is the first time I was completing mobile deposit on the account ), this is an account I had operated for about 3 years. I am submitting this claim because I do not believe that citi 's action of withholding my personal account is legal.
Consumer complaint received 2016-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (LA)

i been dealing with this company not blocking fraudulent accounts and public records from my file for the past almost 3 years as i been going through identity theft. i have sent them countless numbers of official police reports and i also have attached a copy of my FTC fraud identity affidavit which includes every company that i know of that someone used to steal my identity i cant even move forward in my mortgage process for my family because they are also reporting XXXX public records that was filed in error under my name. It 's XXXX bankruptcies XXXX from XX/XX/XXXX and XXXX from XX/XX/XXXX those need to be removed permanently immediately. i have only filed bankruptcy one time which is XX/XX/XXXX. All these errors on my credit report is XXXX and XXXX and me and my lawyer is thinking of filing a lawsuit for XXXX due to all this untrue information on my file. it 's hard to even live or get a job with all this identity theft. I demand that all accounts and public records be blocked immediately or i will proceed with the lawsuit against this company in the amount of XXXX dollars. i have disputed all these items several times and nothing has been done. I have never had a phone account with XXXX never filed bankruptcy in XX/XX/XXXX or XX/XX/XXXX those are filed in error under my name. i have attached a copy of all the information that this company asked for and told me that all this information including the public records would be blocked. I do n't see how they are investigating these items when the companies that im disputing are sending me letters saying they are removing these items but this company still wo n't update my report and let me live a regular life it 's very frustrating and they are breaking federal laws in the process while hurting me and my family.
Consumer complaint received 2018-03-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (CA)

Yesterday, XX/XX/XXXX, I received a text notice from Wells Fargo that my checking account balance had gone to XXXX  after an unexpected auto-payment from a credit card had posted. 

I went to Wells Fargo 's banking portal to see what had happened to the account, and say that {$160.00} had been auto-transferred from my savings to my checking account, bring the account balance to XXXX AFTER the incoming payment had been paid. 

I manually transferred an ADDITIONAL {$100.00} from checking to savings to bring the account balance up to {$100.00} ( which the account portal reflected, after completion ).

This morning ( XX/XX/XXXX ), I received another XXXX balance message from the bank. I went back to the portal and found that the bank had REDUCED the amount of the overdraft transfer from the previous day by the amount of the manual transfer that I had made, leaving the nominal balance at the end of the day at {$0.00}, despite my actions. 

Then, when an ( expected ) check for {$45.00} came through, they triggered overdraft protection AGAIN ( including an overdraft fee ). 


I spoke to their customer service about this issue, but they refused to waive the overdraft fees from the second day. 

This is predatory behavior, even if the amounts involved are not large. This is functionally equivalent to the charge reordering that banks used to do in the pre-CFPB days : Wells Fargo 's policies and procedures are designed to generate additional overdraft fees. It also means that the transactional activity displayed on their web portal is fictional -- the automatic account transfer shown to have taken place was altered by the bank between the time it was displayed on their banking portal and transactions were applied that evening.
Consumer complaint received 2022-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (PA)

Apparently XXXX says I owe them a vast amount of money that they transferred to XXXX which is the collection agency. Ive disputed this is XXXX multiple times and XXXX. It disappears from the credit report and after some time reappears dragging my credit score down almost XXXX points every time it happens. They cant provide me with anymore info other than the info they have is accurate. I currently have XXXX as well so theres no way I can owe them a balance and have service at the same time. The account XXXX is saying I owe this balance on is not mine.
Consumer complaint received 2020-05-22
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: EQUIFAX, INC. (FL)

My Name is XXXX XXXX XXXX Date is XXXX XXXX My Equifax Confirmation Number IS XXXX OR XXXX And My FTC Report Number Is XXXX I'm Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Accounts As I Could .Also Recently I Called Equifax Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful At All!! These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With Equifax..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting XXXX Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent Accounts : XXXX XXXX XXXX  XXXX XXXX {$36000.00} XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} Collection opened XX/XX/XXXX XXXX XXXX XXXX ( ( XXXX XXXX XXXX XXXX XXXX XXXX ) ) XXXX XXXX XX/XX/XXXX I Even Called Equifax Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way Equifax Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report Number XXXX 605 ( b ) Block. Item must be blocked in no less than ( 4 ) days
Consumer complaint received 2020-05-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC (CA)

In XX/XX/2020 I informed FirstSource Advantage , LLC that our account with XXXX  XXXX XXXX ending in XXXX XXXX for {$1700.00} was assigned to XXXX XXXX XXXX ( a credit card payment consolidation company ). 

We informed XXXX about the situation and accepted to include the bill to our credit card consolidation file. Today we received another bill from FirstSource dated XXXX. 

We want FirstSource to stop harassing us regarding this bill. You may contact us at our home phone XXXX if you need more details. Thank you. 

The XXXX XXXX
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: REGIONS FINANCIAL CORPORATION (SC)

I need help and dont know how to go about it, please read below Regions bank is embezzling money from me. 
I lived in XXXX  my entire life and banked with regions. I took a job in XXXX XXXX at XXXX XXXX XXXX, one of the largest manufacturers in the world. They paid for my relocation. I received my first check that was supposed to cover my first month deposit and rent. It was for XXXX and I did a mobile deposit while I was at work. 
This was 12 days ago and regions will not release my funds. They froze my entire account even though the funds have cleared from the issuing bank which was provided as proof to regions from my company and from the issuing bank XXXX  XXXX XXXX. They didnt just hold the check they held all my funds and now tell me that I cant access them and i will lose all funds in my account. This was at the regions branch, branch manager XXXX seemed like she was trying to help at first after avoiding phone calls with me for 8 days but then said she turned everything over to legal and that regions would reach out eventually. 

This came after like I said proof was shown that regions has already been funded from the company and issuing bank. Now regions will not call or answer my calls and immediately hang up even though they have all my funds frozen and Im trying to relocate for work. 

I need help! Please is there anything I can do or anyone I can talk to? 

XXXX XXXX
Consumer complaint received 2024-03-05
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: AMERICAN EXPRESS COMPANY (CA)

I received an Amex XXXX XXXX in XXXX. This included an email You have received an American Express eGift Card from XXXX. I clicked the link to validate and print the card, which loads on https : //balance.amexgiftcard.com/ # /account and shows the balance. I was able to use the card in XXXX to order from XXXX merchant, however I have been unable since then to use the remaining balance on XXXX. I attempted a transaction on XXXX for the full remaining balance of the card ( {$81.00} ), however the transaction was declined. I then tried again XXXX more times, including for a transaction that was much less than the full face value of the card ( {$9.00} ), however these transactions were declined as well. Many people have reported having this problem starting this past year.
Consumer complaint received 2023-04-08
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: EQUIFAX, INC. (NY)

accordance with the Fair Credit Reporting act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy According to the 15 u.s.c 1681 section 602 states I have the rights 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 15 U.S.C 1692C These addresses do not belong on my credit report
Consumer complaint received 2024-03-05
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. (AR)

have a {$200.00} gift card from XXXX, and after I tried to use the card to purchase a money order the company immediately cancelled the transaction and blocked the card. I called the company and requested my funds to be mailed to me expeditiously via XXXX XXXX XXXX, and I was not able to get any confirmation on that request.
Consumer complaint received 2022-11-14
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: Experian Information Solutions Inc. (FL)

The following unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-05
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: STATE EMPLOYEES CREDIT UNION (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2020-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Specialized Loan Servicing Holdings LLC (NY)

On XX/XX/2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2018-03-14
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: Experian Information Solutions Inc. (AL)

XX/XX/XXXX I wrote both the Experian Credit Bureau and XXXX XXXX XXXX stating that I have never had a credit Card Card from XXXX  XXXX XXXX, yet my file showed a charge-off on it. I requested a copy of the original application and any charge slip that showed my signature on it for charges made. Since that time I have received nothing but form letters that do not directly answer my needs or questions. 
First response XX/XX/XXXX : Experian says they checked with XXXX XXXX XXXX and their records are correct. 
My Reply XX/XX/XXXX letter to both requesting copies of related charges. 
XXXX reply XX/XX/XXXX : or records indicate we are reporting correctly my response to both XX/XX/XXXX : letter stating no one is responding to my SPECIFIC requests for information. Only getting form letters. 
XX/XX/XXXX Experian sent exact same information that sent XX/XX/XXXX my response XX/XX/XXXX returned letters to both requesting that they read my letter and respond to same my not sending form letter. 
XX/XX/XXXX form letter from Experian XX/XX/XXXX XXXX form letter saying the consider matter closed because they could not investigate it?????? 
XX/XX/XXXX I respond to both giving specific requests and copies of all correspondence. 
XX/XX/XXXX received responses from both this time XXXX wants complete account number for and account that I have claimed for 5 months that I do not have! 
XX/XX/XXXX I respond giving all of the information I have and restating send me all the information you have. I need copy of something I signed. 
XX/XX/XXXX received response ( form letters ) from both. Experian same as before we have contacted XXXX and their records are correct. XXXX  form letter says they checked their records and are reporting correctly. 

As you can see for nearly six months I have been getting no personal responses to my questions. It appears that both are only willing to send form letters and not investigate anything. How is one to get through to them that there may be a problem of some type and that mearly looking at the original application or, XXXX forbid, that is not available, at least look at the relevant charge slips to identify signature and name? 

Neither of these organizations have complied with the Fair Credit Reporting Act or the Fair Debt Collections Protection Act they have simply skirted the issue by trying to drown me in a ton of form letters.
Consumer complaint received 2023-04-08
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)

The information that Equifax is using is reporting inaccurate information that doesn't match my personal information. Equifax still is reporting it as it violates my rights to the laws listed below. The information has my name as XXXX XXXX XXXX. This is not my name. My name is XXXX XXXX as it reports on my Equifax report. It also reports my address as XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. This has never been my address. My address has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX andXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. As listed on my Equifax report. This is a violation to my rights of fair and accuracy. This has already been removed off of my XXXX account due to several violations. Account in question is XXXX XXXX Reference number XXXX. Date filed XX/XX/ The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2021-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (FL)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX XXXX