davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (OK)

I was never contacted by XXXX XXXX in XXXX, XXXX about any alleged debts owed. XXXX then sold said alleged debt to Hunter Warfield collection, ( XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ) who has no licenses to collect debt in the state of Oklahoma. This is in violation of my rights and consumer law. I want this collection account removed IMMEDIATELY from my XXXX, XXXX, and XXXX credit reports. 

Thank you
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (VA)

My account was overdrawn today by XXXX. {$140.00} of that was overdraft fees. {$35.00} fees given 4 times over the course of two days ( XX/XX/XXXX and XX/XX/XXXX ). I called Wells Fargo today to see about getting these fees reversed. I told them that I am working 30 hours a week and get paid {$530.00} a week and that these overdrafts were for bills that were scheduled as auto-pays. I asked for the full {$140.00} to be reversed to help with the major overdraft of my account. They notified me that they could only refund {$70.00}. I asked to speak to a manager. The XXXX again stated due to this new policy I was not aware or hadnt be notified of, that they could only refund {$70.00}. I told her that my issue was that this bank is AUTHORIZING there payments to go through even though my account is already withdrawn and then penalizing me large sums of fees and its predatory. I asked why they just didnt decline my transactions. She offered to sign my account up for a program that would decline transactions with an overdrawn account. I asked if this included preauthorizations and she couldnt guarantee they would decline. To clarify, I asked if that meant the only way to guarantee that my transactions dont go through when my account is overdrawn is to go and cancel EVERY auto-scheduled bill payment I have. And she said yes or sign up for a savings account with us that could be overdraft protection. I assured her if I had any savings and wasnt living paycheck to pay check that I wouldnt have an overdrawn account. I am doing my absolute best to use everything that I have to pay the basics without overdrawing my account. I would just transfer banks, but this account is my longest standing account that has been open over 10+ years. I think the people who get penalized the most here are the ones truly trying their best to make due with what they have and theyre being taken advantage of as a result.
Consumer complaint received 2020-05-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BYL Collection Services (NV)

This is another account, XX/XX/2020, that I informed the bureaus I wasn't so sure about belonging to me. The address associated with the account, isn't my address. I then called the company, " XXXX XXXX '' in XXXX, and they stated all communications must be done with " BYL COLLECTION SERVIC '' in regards to the account in question. I sent another dispute in XXXX to the bureaus, which returned " verified as accurate ''. I need to see the contract ( that was all I asked for the second round ) of the account they're referring to, because I am in the same location as I've been in for years. My last phone call with XXXX XXXX was XX/XX/XXXX and they stood firm that " Any and all documentation in regards to the account was now in " BYL COLLECTION SERVIC '' possession.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (CA)

I called on XX/XX/XXXX to check in to the annual fee that was going to be assed the following statement date to be generated today XX/XX/XXXX. I am not paperless, as of this date I have not seen the statement but was able to view it on line. The annual fee starts on XX/XX/XXXX to XX/XX/XXXX for {$39.00}. Today I contacted them 4 times to resolve this issue and they told me they can not fix it because its already in the statement, I requested multiple escalations and finally they told me all managers were busy and can not helped me. The issues are : on XX/XX/XXXX and XX/XX/XXXX, the representatives did not see the annual fee, therefore they were not able to do nothing. XX/XX/XXXX, statement generated and the 5 representatives I spoke with can not do anything about it, instead they told me I am responsible to pay for the future fee while I am requesting closure of the account. I want to closed the account and I do not want to be charge XXXX annual fee because this issue FRAUD, I READ THE CREDIT CARD HOLDER AGREEMENT attached below and it clearly states : " I can close the account anytime '' furthermore, the agreement does not include any close or provision of a NOTICE REQUIREMENT when credit card holder wishes to close the account. Today my balance is {$530.00} instead of {$490.00}, oo AVANT assessed the annual fee putting me over the credit limit. I just made my min payment of {$25.00} The status of the account is current.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing to address a critical matter regarding the discharge of a debt associated with an account held with BANK OF AMERICA. On XX/XX/2024, the Internal Revenue Service issued a processed and accepted 1099-C, signifying the proper discharge of said debt. Documentation confirming this discharge has been received by BANK OF AMERICA via USPS, following immediate processing and approval of the XXXX 

Given the legal acknowledgment of this debt discharge, it is imperative that BANK OF AMERICA takes immediate action to update the account status on all relevant credit reporting agencies. The current reflection of " charged off '' status is not only inaccurate but also damaging to my creditworthiness. 

I hereby demand that BANK OF AMERICA promptly rectify this situation by updating the account status to " PAID AS AGREED '' within a maximum period of 14 days from the date of this letter. Failure to comply with this demand will leave me with no choice but to escalate this matter further, potentially involving regulatory authorities. 

Please be advised that any further delay or negligence in addressing this issue will not be tolerated. I expect swift action and resolution from BANK OF AMERICA to ensure compliance with legal obligations and the preservation of my financial standing.
Consumer complaint received 2022-10-06
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)

his is XXXX XXXX complaining about your failure to respond to my request to provide MOV, I sent it on XX/XX/2022 and it has been already over 30 days but I still haven't received any response from you. This matter to me and I am prepared to take legal action if that's what it takes for you to take this matter seriously.
Consumer complaint received 2022-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

I made a XXXX transfer through my wells fargo account in the amount of {$280.00} on XX/XX/22 and right after I did it I realised that I was scammed, I immediately called my bank to cancel it, they said its impossible since it has been posted, thery offered me to submit a claim and a few days later I received a letter from my bank saying that the other institution refused to refund the money, I am desperate and disappointed Please help me with further instructions Thanks
Consumer complaint received 2020-11-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IL)

We have a PayPal account which was hacked. We are unable to get a human to resolve this issue. The customer service numbers are all bots. SOmeone hacked {$8000.00} from our PayPal account which was tied to a XXXX account.
Consumer complaint received 2022-10-05
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. (TX)

Please delete the below inquiries, listed here as well as on my identity theft report attached due to me being a victim of identity theft. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 TransUnion XXXX XX/XX/2022 TransUnion XXXX XX/XX/2022 TransUnion XXXX CA XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX XX/XX/2022 XXXX TEXAS XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX ACCEPT XX/XX/2022 TransUnion XXXX XX/XX/2022 TransUnion XXXX CRE XX/XX/2022 TransUnion Please also remove the below addresses as they are not deliverable to me by U.S. post office and they are not reportable as per the FCRA since the addresses is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX PARK XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX TARRANT XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2015-07-12
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

I went to pay my mortgage up to date today XXXX XXXX 2015 at Chase Bank they told me they will not take my payment. I called the number they gave me they tell me I am in foreclosure. I just took the XXXX out of my IRA to get all up to date. They foreclosed on the XXXX XXXX 2015 and they are telling me I have to pay a Lawyer money now. Can you help me These people do not care for vets. They could have called me last week and I would have paid XXXXthem right away. I just could not get away I am a single Dad.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing to address a critical matter regarding the discharge of a debt associated with an account held with BANK OF AMERICA. On XX/XX/year>, the Internal Revenue Service issued a processed and accepted 1099-C, signifying the proper discharge of said debt. Documentation confirming this discharge has been received by BANK OF AMERICA via USPS, following immediate processing and approval of the 1099-C. 

Given the legal acknowledgment of this debt discharge, it is imperative that BANK OF AMERICA takes immediate action to update the account status on all relevant credit reporting agencies. The current reflection of " charged off '' status is not only inaccurate but also damaging to my creditworthiness. 

I hereby demand that BANK OF AMERICA promptly rectify this situation by updating the account status to " PAID AS AGREED '' within a maximum period of 14 days from the date of this letter. Failure to comply with this demand will leave me with no choice but to escalate this matter further, potentially involving regulatory authorities. 

Please be advised that any further delay or negligence in addressing this issue will not be tolerated. I expect swift action and resolution from BANK OF AMERICA to ensure compliance with legal obligations and the preservation of my financial standing.
Consumer complaint received 2021-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (DC)

FAIR COLLECTIONS & OUTSOURCING has attempted to collect an alleged debt not owed. 

I received an alleged debt collection notice from FAIR COLLECTIONS & OUTSOURCING, INC for the amount of {$8200.00} which violated 5 federally protected consumer rights under 15 USC 1692. 

On XX/XX/XXXX, I mailed a Debt validation letter to FAIR COLLECTIONS & OUTSOURCING, INC requesting validation and NOT " verification '' or proof of my mailing address. Also on this date, I mailed a Cease and desist letter pursuant to 15 USC 1692c ( c ) to cease all forms of communication with me through any and all mediums. 
I have also sent a notarized affidavit of truth with exhibits and an invoice for the violated federal consumer rights under 15 USC 1692 which is {$1000.00} per violation. 

I have received a green return receipt stating that FAIR COLLECTIONS & OUTSOURCING, INC received and signed for the letters as of XX/XX/XXXX. 

FAIR COLLECTIONS & OUTSOURCING , INC currently has 711 consumer complaints on the CFPB as of XX/XX/XXXX.
Consumer complaint received 2024-03-11
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: AMERICAN HONDA FINANCE CORP (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 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Enclosed with this letter, please find a copy of Form 1099-C ( Copy B ) issued by Capital One Financial Corporation for the canceled debt associated with the aforementioned account. The canceled debt has been reported to the IRS, and I have retained this form for my tax records.

I kindly request that you remove this account from my credit report as it is causing significant harm to my creditworthiness. This negative reporting is particularly detrimental to my ability to acquire housing, as it affects my credit score and financial standing.

Per guidelines outlined by the Consumer Financial Protection Bureau ( CFPB ), I am entitled to accurate and fair credit reporting. Given that the debt has been canceled and properly reported to the IRS, its continued presence on my credit report is unwarranted and misleading.

I would appreciate your prompt attention to this matter. Please investigate and remove the inaccurate reporting in accordance with the Fair Credit Reporting Act ( FCRA ) and CFPB guidelines. 

Should you require any further information or documentation regarding this request, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your cooperation and assistance in resolving this issue. 

Sincerely, XXXX XXXX Enclosure : Copy of Form 1099-C ( Cancellation of Debt ) - Copy B
Consumer complaint received 2024-03-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (LA)

Today I realized due to a very XXXX impact on my XXXX XXXX that something was wrong on my credit report, I reviewed it and saw that I had a medical collection of a bill from XXXX XXXX XXXX for {$1500.00} that is in a collection company called ABILITY RECOVERY SERVICES. Which I don't admit, I have never been to XXXX XXXX XXXX nor have I ever received any medical or other services from that place. I do not know the invoice, I do not have any additional information since I have no knowledge of this charge. I believe this is a fraudulent charge or identity theft.
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CITIBANK, N.A. (CA)

this is dated last XX/XX/2020. 
regarding the credit amount of {$4800.00} plus transaction fee and penalty fee. 
because they didn't resolved the disputed amount but I sent already and provide all the documents that they request. 
the reason why I wanted to refund was because I was in a subtle way cheated and deceived with all of my hard earned money. In fact, I have an evidence to prove that they were lying about the price on their website. The price has not been updated up until now.
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-03-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (OH)

I did a traid in at XXXX in 2022 in XXXX, Ohio my payments are {$580.00} a month. They told me to come back in XXXX to XXXX months and refinance to get lower payments. I waited XXXX  months and all my payments was on time. They told me it was to soon and now I been making payments for XXXX  months and no change and I still have over XXXX years to go to pay my car off.
Consumer complaint received 2020-09-02
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: General Motors Financial Company, Inc. (FL)

I provided a one time consent to pull credit on XX/XX/XXXX to GM Financial. The vehicle was delivered to the primary buyer on XX/XX/XXXX with no problems and the account opened on my credit. 

In XXXX the primary buyer was told that a minimum of 3 references were now required. The buyer was forced to do so under void of contract despite already having possession of the automobile with an open account and another credit inquiry was generated. 

The account was opened on XX/XX/XXXX with the primary buyer taking possession and no need for any further credit inquiries were warranted. The unauthorized inquiry on XX/XX/XXXX is self evident as an unauthorized inquiry since the account was open. 

The sales person who can attest to the single credit pull and sale completion on XX/XX/XXXX is XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, Michigan.
Consumer complaint received 2016-06-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (CA)

I make my monthly mortgage payment online to US Bank every month. I just noticed that this month, they are now charging {$5.00} for online processing fee. They never even send a notification to make me aware of this change. So now I plan on sending my payment in via regular mail, but I had been receiving paperless statements via email, so I do n't have the physical printout of the pay stub to send in nor the envelope. And if I had noticed this one day before the payment cutoff date, they would have received my payment late and charged me interest!
Consumer complaint received 2024-03-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To Whom It May Concern, I am writing to formally request the prompt issuance of the remaining balance check of {$170000.00} XXXX  from Bank of America ( BOA ) for a closed account. Account info, name of the business : XXXX XXXX XXXX Account number XXXX XXXX : XXXX This account had been receiving customer payments in succession by the end of XX/XX/XXXX. During this period, the account was temporarily restricted by BOA 's risk XXXX department. However, after providing the necessary customer information, including names, email addresses, and phone numbers, the risk assessment was completed satisfactorily, and the account was returned to an operational status. Subsequently, a change of ownership for the company was processed, transferring from XXXX XXXX to myself, XXXX XXXX. In XX/XX/XXXX, I received a letter from BOA indicating the closure of the account. Then, in XX/XX/XXXX, a XXXX  for {$110000.00} USD was issued to the company, but the subsequent amount of {$170000.00} XXXX remains unpaid. The handling of this matter by BOA has been highly unprofessional for several reasons : The account funds had already been verified by BOA 's risk control, with all necessary customer information provided. Despite this, BOA has continuously claimed that the account requires additional investigation, refusing to accept further customer payment contracts and invoices as additional proof. The delay in receiving the final payment is excessive. Since being notified of the account closure in XX/XX/XXXX, the remaining balance has not been received as of XX/XX/XXXX. Enclosed are the final statement and notice from BOA pertaining to this matter. I urge the Consumer Financial Protection Bureau to intervene and facilitate the expedited resolution of this issue, ensuring that the remaining balance owed to me is promptly settled. Sincerely, XXXX XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (MD)

Over the pas XXXX years I have discovered that on every occasion where I applied for credit that there was more than XXXX hard hit on all of my credit reports. I believe in the national scoring system, but its the national banks that abuse the inquiry process. There should never be more than XXXX hard hit per application. Therefore, I must submit my complaint through the Consumer Financial Protection Bureau. This attached complaint makes a request not only for the original inquiry, but but all inquiries collectively as a basis of fairness. There should only be XXXX hard hit inquiry per application. DELETE THESE INQUIRIES!!!
Consumer complaint received 2020-10-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OK)

On XXXX XXXX  2020 i sent in letters to all three credit bureaus because of the covid 19 i decided to take a look at my reports and found some in accurate information and thirty days had pasted with not one response, so i decided to send in another letter asking the credit bureaus to please send me some correspondence on the matter. I just didnt know what else to do but contact the cfpb. I will be uploading the exact letters that were sent to all three bureaus.