davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (NC)

this company has been calling multiple times a day for months. We have never had any outstanding debt. They have claimed XXXX. I called XXXX, they agree that my account is, a and has always been paid on time and is up to date. I called them back and asked to be taken off their list. They wanted my SSN and other personal information, which I refused to give them.
Consumer complaint received 2024-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OR)

I have a business account at PayPal to process credit card purchases. Parents register their children for driving lessons through my website and pay me online. Services are provided locally in person, by myself. 

XXXX of XXXX, a customer purchased and received driving lessons for her daughter XXXX of XXXX, customer claims her card was used without her authorization XX/XX/XXXX, PayPal informs me customer claims she did not make this purchase. There is no information from the customer herself or the card issuer regarding her claim. 
XX/XX/XXXX I provide evidence of fulfillment as instructed by PayPal I upload a file through the Resolution Center. 
XX/XX/XXXX, PayPal informs me that my proof of fulfillment is invalid and the case is closed, withdrawing {$290.00} from my PayPal account plus a {$15.00} dispute fee. 
XX/XX/XXXX, I contact PayPal to appeal. The online " Appeal '' " Report a Problem '' links do not work -- they follow a circle from the dispute, to the policy, to instructions for appeal, back to the dispute, with no means of filing an appeal. PayPal customer service tells me they have nothing to do with deciding the case, they just do what the card issuing bank tells them. I request the bank 's contact details, but PayPal will not provide them, only the bank 's name and a case number. 
XX/XX/XXXX, I finally reach the Fraud Investigations Team at XXXX XXXX XXXX. They look up the chargeback claim and tell me PayPal did NOT submit any evidence of fulfillment and the bank has not " closed '' the case. I prepare new evidence and fax it to XXXX, as instructed by the fraud team. But they have only ONE fax machine, by which ALL evidence for ALL fraud claims are received. The line is perpetually blocked. I have mailed my documents to them and I am waiting to hear back.
Consumer complaint received 2024-04-26
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Southwest Stage Funding (TX)

The lending company sent me an email with a link that would allow me to go over the loan documents and e-sign them. I followed all the instructions and reached out to the loan officer to let them know I couldn't access the documents. She went back and forth with me and I was still never able to look at the documents. They say they had the wrong email address and couldn't go in and correct it. Now I have all these charges and no one can tell me what they are for. I would've never agreed to discount points that INCREASED my interest rate, along with prepaid finance charges, seller paid closing costs which actually added to the price of the home, origination fees, that I have no idea what they cover... we're talking about more than {$23000.00} in fees. The house was quoted at XXXX. I put XXXX down. With all these extra fees and point and credits, the XXXX house turned into a {$180000.00} house. And no one seems to be able to provide this information to me.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

so capital one bank on XX/XX/2023 i deposited my XXXX check, then on XX/XX/XXXX the funds were taken from my account i never received a notice anything. i called the bank and, the first story they told me was that a check was written from my account for that amount i informed them that i do have checks, they said the funds would go back to my account. weeks go by no response from them. i called back and was told that someone attempted to cash the check at another location " XXXX XXXX '' i called XXXX  they informed me of my identity being stolen and that they didn't receive the funds, but send me a letter stating they caught the fraud and i was not liable. i also called the issuer of the check and they said that the check was cash and paid out to my bank capital one. capital one informed me that they were holding the funds until they complete investigation which takes XXXX  days. never got a response called XXXX different times no response never got a notice anything its been XXXX monts now. by them taking this money out of my account it overdrawn by {$900.00} and after XXXX  days overdrawn they closed my account. investigation was never completed never responded to. and my money is just gone.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Your American Express Account XXXX American Express Customer Service Department XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear American Express Customer Service, I am writing to address a concerning matter regarding the recent closure of my American Express account and its inaccurate reporting on my credit report. It has come to my attention that my account was closed due to inactivity, which is not the case. The closure was initiated by American Express because I did not complete a verification of income by allowing your institution to confirm my bank account 's beginning and ending balance over the phone. I want to emphasize that this closure was not due to neglect or lack of activity on my part. Rather, it was a result of my refusal to comply with the verification process, which I believe to be an unnecessary invasion of privacy that violated my federally protected consumer rights. I have already communicated this stance to the Consumer Financial Protection Bureau ( CFPB ), and American Express has confirmed this during their correspondence with the CFPB so Im unsure why you would post FALSE INACCURATE information to my consumer credit report that violates FCRA. Despite the closure of my account, I have remained in compliance with the terms outlined in your SEC prospectus by continuing to mail in my registered securities by the due date, addressed to the indenture trustee of your company and my act will show no balance due at this time. This practice ensures that I fulfill my obligations as outlined in the securities exchange commission prospectus. I am requesting that American Express reinstate my account and restore my credit limit to its previous level. Furthermore, I expect that my account status be updated to reflect the accurate reason for closure, as confirmed by your institution and the CFPB. Failure to address this matter promptly and satisfactorily will leave me with no choice but to take further action. This includes completing an IRS Form XXXX to revoke your power of attorney for all years and periods, as well as reporting this issue to the Internal Revenue Service ( IRS ), the Securities and Exchange Commission ( SEC ), and pursuing legal action as necessary. I trust that American Express will rectify this situation in a timely manner and restore my account to good standing. Your prompt attention to this matter is appreciated. Sincerely, XXXX XXXX attached is the proof of the inaccuracies reporting on my credit, the original cfpb complaint where AMEX admits the real reason for the account closure ( not due to inactivity on my behalf ) also my account indicated that no payment is due at this time.
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hello I am requesting that Bank of America close my account immediately. Bank of America did not properly investigate this matter as to why my account negative almost {$24000.00}. This is unfair and unjust to me and it causing my business that I have had for almost 4 years to plummet. I want this account closed immediately. All of my scheduled deposits are now going into a negative bank account and Boa is just collecting money that's not even available to me as the business owner. This is a business dispute between 2 businesses and to not properly investigate and just make my account severely negative is unjust and shows pure greed on the banks end. This is written request to close this bank account immediately. If this bank account is not closed within 30 days I will be taking legal action against Bank of America.
Consumer complaint received 2024-04-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I have a vehicle with my soon to be XXXX XXXX  back in XXXX of XXXX  my soon to be XXXX  had the car towed to the XXXX dealer to be fixed I noticed the vehicle never was picked up I went into the dealer they stated that XXXX they can not get a hold of and there is a {$1900.00} bill, I said I would like to surrender my plates. The XXXX called Credit Acceptance to pick up the vehicle and they did in the mean time I surrendered the plates to XXXX, my soon to be XXXX  worked it out with Credit Acceptance and he retrieved the vehicle back. I have called this company ever since XX/XX/year> and explained that they keep allowing XXXX to set up these payment arrangements and he is NOT paying on the vehicle i've explained i turned in the plates they said he is on the car and he can do. Long story short he has made couple of payments, that got kicked back the car kept having a past due balance, late fees and hitting my credit every month, in addition to them allowing him XXXX XXXX car with no insurance for months which i have proof of from tolls and it ended up getting my DL suspended not his they do not care. Now the car has been reposed from XXXX months ago due to non payment, his last know partial payment was in XX/XX/year> so no payments have been made since then, I received a letter that car is reposed and auction date is XX/XX/year> and guess what they are still allowing him to make payment arrangements, that he is not fulfilling and balance is going up, late fees and hit to credit. When I called them to ask this now the response is it is repoed although if it doesnt sell this is the way it goes plus the rep said we are in {$15000.00} on this vehicle. I said excuse me where does it state this in my contract and to send that info and I stated that something has to be illegal with this I can not see how this is still being aloud to happen. I see they have a lawsuit open with the XXXX of XXXX  on something like this. Everything they are doing is not based off the contract I have. I really need help with this it is ruining my life that they keep allowing this.
Consumer complaint received 2024-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: River Heights Capital LLC (NJ)

I have been sued by this third-party collection agent, UNIFUND CCR PARTNERS . I have Legal Hold on 2 different Bank account, in the amount of {$1700.00}, same amount on both Bank accounts. I learned about this only through my Banks. The judgement DOCKET NO. XXXX. XXXX XXXX XXXX and XXXX XXXX. this information is same for the second Bank. this company alleged that I owed this debt over 16 years ago and they obtained a judgement at an adddess XXXX XXXX XXXX XXXXI temporary lived at this address over 16 years ago. Is never correct that a got any kind of notification from them about this alleged debt which allegedly was in 2007. It's not tru that I owe any debt they are claiming. I feel like this is an false and that they are trying to collect debt I do not owe or no anything about. Hope they check their records and refund the amount taken from my account in both Banks that they have Legal hold. I am not sure if this is an honest mistake or deliberate to charge both my Bank account. Please remove these HOLD on my account. I do not owe this debt and my credit report do not have such claim
Consumer complaint received 2024-04-19
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

In XXXX XXXX my account with home depot was at XXXX.a month later in XXXX XXXXhome depot issued a new card to another address and change my email. For another email..from there that other person stars making purchases at home depot in my name..

How did they change the email in with home depot always sent me datails of my account i never received my account statament.until the collection call started.they told me that a check issued by me the chase bank had no fund.it should be stated that i do not have an acccount in that bank.i started to find out and i realized that this person had made purchases at home depot for more that my credit witch was XXXX dollars.from there i called many time which is the one that made the collections calls and i reported it since octuber of the previus years. Without any solutions to the fraud carried out in my ho.e depot account
Consumer complaint received 2017-10-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (WA)

On XXXX/XXXX/XXXX I reviewed my credit report and saw a collection debt for : Diversified Consultants Inc XXXX in the amount of XXXX. I called the number and spoke with a person that told me I had a debt to XXXX XXXX with an account # XXXX. I stated I never had an account with XXXX XXXX. They instructed me to contact the fraud department at XXXX. I called the number and it was XXXX XXXX, I explained that I had never had an account with them and was instructed to call this number to report fraud. After speaking with a lady on the phone and her asking a lot of information I finally realized that she must be talking about another internet company. I told her I could not remember the name but it was XXXX something. I explained that I did live in XXXX and I had a man come out and promise me that I would have great service and it would be just like XXXX with fast internet. I did agree to have it installed, however after XXXX days it stopped working. I called customer service and the only thing they would tell me is I needed to pay more money for better service. I had explained that I was already promised to have good service. I ended up paying more money and then XXXX days later the service went out again. I called back and told them that I was cancelling service due to misrepresentation of the product sold. They told me to send the equipment back. The dates on the account are XXXX/XXXX/XXXX open XXXX/XXXX/XXXX closed. I explained all of this to the lady on the phone. She stated that they do have third party installers, but she was unable to verify if or who installed the service for me. She said that I could file a fraud complaint and that the only way I could get information is through the police department and that I owe XXXX. I told her that I would not pay that money to them and I did not owe XXXX XXXX any money and how could I have a bill in XXXX month for XXXX.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

Im a victim of identity theft and have a current report police on file with Chex Systems. The following Reported Information and Inquires Viewed By Others currently listed and showing on my Chex Systems Consumer Report : XXXX is fraudulent and not my information or inquiries : XXXX XXXX XXXX XXXX, XX/XX/2024, {$1000.00}, XXXX XXXX XXXX, XX/XX/2024, XXXX  XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX  XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX  XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024, XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2024, XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX  XXXX XXXX XX/XX/2024, XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX  XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION ()

I maintain a Truist bank account ( truist.com ) with a balance of USD XXXX. Unfortunately, the bank has restricted my ability to withdraw or transfer funds. Upon contacting the bank, I was informed that my account is considered dormant due to a lack of overall transactions. However, it's worth noting that there are monthly transactions from my app store accounts, specifically from the XXXX XXXX and XXXX XXXX, where my app sales revenue is deposited into my Truist bank account.
Consumer complaint received 2017-05-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I asked XXXX XXXX not to call my phone they said I owed {$740.00} and I asked Portfolio recoverys to write me only letters they say that I owed {$400.00} in XXXX XXXX as well as XXXX XXXX saying i owe {$130.00} in a small loan, I asked all three companies not to call my job or my moms phone and my dad '' s phone, I also asked them not to call my job or my mom and dad '' s phone but they did anyway they also called me at XXXX,XXXX,XXXX, XXXX XXXX,XXXX,XXXX, XXXX XXXX XXXX I asked them to call me at a certain time but they still call me at different times..
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TN)

First off I have not applied for any Credit so My scores are unchanged. On XX/XX/2024 I checked my XXXX  Score and it's XXXX. Then I checked Equifax Credit Score. It's completely missing and in it's place is a '? ', They said it was the Systems Depart Fault. They said check back in a few days. A week later the score is back but it's been lowered like XXXX points to XXXX so I called them again. Equifax has a known history of screwing up Peoples Credit and they have been Hacked. Also if you ask me, they are incompetent. I sent a dispute in last year. Only XXXX fix the issue. Equifax and XXXX share Info and coordinate credit and they did nothing on the Dispute, I did get a word salad from them. Also when I called Equifax the first time reaching out I about the "? ' I was told by their representative they could not change my address since had I moved. Today XX/XX/2024 I called Equifax and their Representative said change of address is not an issue, I will address it. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I started out as a XXXX. Today I XXXX XXXX XXXX XXXX XXXX XXXX and I usually XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX the Deposit or Loans Systems which impacts the Customers Accounts is fired on the spot. Something needs to be done to these So-Called Credit Reporting Agency 's , They cost you XXXX  of Dollars in Interest with their erroneous credit reporting.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/year>, I opened a checking account at Truist Bank, I received multiple deposits via XXXX ( which I have proof of all of them ) and on XX/XX/XXXX of the same year, that is, XXXX  days later my account was blocked and my funds frozen, as of today that I write this message it has been XXXX months without being able to access my funds, I have gone to the banking institution every week to request information and it tells me that my account is still under investigation, I have called the bank and I asked for information and they told me that my account was closed and that they would send me a check home, which never happened. The last time I called, an executive answered me who told me that I no longer had money in my account and that I should not call. more, so exhausting all possible means I come to you looking for a solution. The amount is XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents. In addition to this, I would like to add that in the letter received on XX/XX/XXXX where I was notified of the blocking of the account, it says that if the Truits bank decides to close the account, it will send a check to my address in XXXX days, said account was closed, I have a The receipt they gave me at the bank branch does not say exactly what day the account was closed but it is dated XX/XX/XXXX.
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX my capital one Quick silver was hacked and both unauthorized payments was made and unauthorized charges was made on the account. I made the normal monthly payment before I noticed the charges however capital had already restricted the account. I called capital one to dispute and file a claim, however they not only did not rule in my favor, but also reported the balances to the credit bureaus therefore making my credit status drop.
Consumer complaint received 2024-04-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: The Winn Brown Law Firm, LLC (MS)

XXXX XXXX received letter in mail from employer stated they received a written of garnishment from XXXX XXXX XXXX that I owe from XXXX. I never received any court paper from them I only added them to my bankruptcy because it was on my credit report as past due payments/repossessed. They haven't sent me any letters pertaining to this matter and just sent to my employer for 25 % to be withheld.