davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (FL)

This complaint is in connection with complaint # XXXX. On XX/XX/year> I transferred {$150.00} from my business account, by phone via their customer service center, to my personal account due to the fact that a Regions ATM machine had retained my ATM card for my personal account several minutes earlier, thus preventing me from being able to make the cash deposit into my personal account before their XXXX ( XXXX ) cut-off time. Regions returned two pending payments to XXXX, due to the fact that I was unable to make the {$150.00} cash deposit into my personal account. Then, rather than crediting my personal account accordingly, they charged me a {$36.00} XXXX  fee for yet another XXXX payment in the amount of {$20.00}, As you can see in my attached screenshot, they had already paid the {$20.00}, however they reversed the payment and returned it to XXXX, since their bogus XXXX  fee of {$36.00} overdrew my account. Had I been able to make the cash deposit on XX/XX/XXXX, NONE of this would have occurred. This all happened when I went into the Regions branch in XXXX XXXX, Florida the afternoon of XX/XX/XXXX, and ask to have a new business debit card issued since I had misplaced the previous one. What happened is that when the customer service rep cxcld my old business ATM card, she mistakenly XXXX  my ATM card for my personal account as well, which is why their ATM machine retained it later that evening when I tried to use it to make a deposit at a Regions branch in XXXX. This situation is the fault of Regions bank, NOT mine, and it has cost me {$75.00} for the three returned payments to XXXX ( {$25.00} each ). Had their customer service rep NOT cxcld my personal account ATM card in error, I would have been able to make the deposit into my personal account that same evening before their cut-off time.
Consumer complaint received 2020-01-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Critical Resolution Mediation LLC (MO)

The company is Critical Resolution Mediation, XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ), this debt was for a loan taken out from XXXX XXXX. On XX/XX/20 I was contacted by this company at around XXXX XXXX   central time. I was told that if I did not pay a settlement in the amount of nearly {$2200.00} by noon on the same date, they would be forwarding this to the XXXX XXXX County, Missouri court system for garnishment and criminal charges for defrauding a financial institution. I told them that there was no way for me to come up with that money in that time frame. I then reach out to a local attorney and asked if it was possible for them to file criminal charges and was told to not give them any further information. I ceased all communication with the company and they called at least 5 times after my " deadline ''. 

Today ( XX/XX/20 ) I have received several " Restricted '' phone calls that I have not answered. They have also called my mother today ( XX/XX/20 ) and told her if I did not reach out to them by XXXX XXXX, that they would have me detained and I would spend 3 months to 6 years in jail. They gave out all of my personal information in regards to the debt to my mother and frightened her. This has been harassment like I have never seen before. In my opinion this is a total violation of the FDCPA laws.
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (WI)

Basically, they locked me out of my XXXX  account for weeks. I will fill in more details at a later date. 

Not allowed to lock the card Not allowed to reconcile. 
Not allowed to figure out if transactions were legitimate. 

No online access at all for weeks Many excuses made. Many phone calls made. Too time-consuming banking there.
Consumer complaint received 2024-10-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Bank of America is still in violation of the federal FCRA law, by not correcting information in the data they send to the credit reporting agencies. This has been going on for over 90 days and has impact costs of tens of thousands of dollars of increased rate and monthly expenses. 
This account has always been on Auto Pay and therefore has always been paid on time. For XX/XX/2024, Bank of America are reporting a late notice ( 30 or 60 day ) to the credit agencies. That is not correct. There was some internal payment processing error on Bank of America 's side - a support person informed me of that -- and so it is there fault they didn't take a monthly amount correctly with their own Auto Pay system.

Again, this account has always been on Auto Pay, and therefore has ALWAYS been paid on time. There should be no 30, or 60, or 90 day late notices. It should be marked and reported as always paid on time.
Consumer complaint received 2024-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

There was a unauthorized payment made via XXXX and chase bank is stating they will not return the money because it was supposedly made with Face ID I did not make this payment and there are 2 separate dates for the same transaction
Consumer complaint received 2020-01-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (NJ)

My XXXX XXXX XXXX XXXX was totaled in an accident in XXXX of XXXX. Ally and XXXX XXXX XXXX XXXX are refusing to take accountability for totaling the vehicle which has led to this writer having to pay fines from the state of NJ. Furthermore, Ally decides to harrass both the father and this writer with phone calls demanding {$16000.00}, yet they would not respond to any of my previous correspondences from XXXX of XXXX to present that would have prevented this issue from evolving to where it is currently.
Consumer complaint received 2019-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NJ)

I open account with Citibank I gave them a {$500.00} deposit to get a credit card I never received the credit card so I cancel my account they told me that they would mail my refund out the {$500.00} deposit they say that they put it in the mail on XX/XX/XXXX would take 7 to 10 business days today is XX/XX/XXXX and I have still not receive my deposit refund I just spoke to someone on the phone from the company Citibank they told me that the check was returned to them on the XXXX and they will issue me a new check which is a lot of XXXX I always receive mail from them now all the sudden my check was returned with no explanation
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (FL)

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have a collection on my consumer report recently.

I have hundreds on attempts to get down to the bottom on this issue directly with them! And they giving me the run around, At this point my rights are being violated and Im entitled to {$2000.00} for every violation I listed, they either pay me or delete these accounts ASAP!!!
Consumer complaint received 2024-10-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

At XXXX, XX/XX/XXXX I received a phone call from Wells Fargo Customer Service XXXX I verified the number was the same as on my debit card. XXXX XXXX from WFB Fraud and Security Department then verified it was me by reading the last 4 digits of my SS # back to me. He stated there was suspicious activity on my debit card and described several transactions made in Texas ( I live in California. ) I stated they were not my charges, so he began reciting a series of charges, locations and gave me 'reference ' numbers to write down. During this process he suddenly exclaimed someone was attempting to initiate a {$25000.00} wire transfer to a XXXX XXXX as we were speaking! In a rush to prevent this, I followed his directions which involved reading off or typing 6-7 digit numbers into messages on my phone including my password followed by the word STOP. I needed to do this to prevent the wire-transfer. He was on WFB 's customer service line and I believed he was an employee of the bank! After we stopped the wire transfer, he inquired about other accounts and noted he could check them for fraudulent activity as well. About 20 minutes after we hung up I received a notice from XXXXXXXX XXXX where I have other accounts, informing me someone from an unfamiliar device was requesting access into my account. It was then I realized I fell victim to a fraud. But it was too late. WFB had already transferred {$25000.00} to a XXXX XXXX account with XXXX XXXX XXXX. And charge me a {$25.00} fee for the transfer!
Consumer complaint received 2024-10-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (CA)

I dont have the exact date, but the car was sold on XXXX credit reports it states that I owe {$18000.00} on a different credit report. It states that I owe {$2800.00}.
Consumer complaint received 2024-10-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NM)

On XX/XX/XXXX, I was notified of XXXX transactions on my Venmo account within less than 2 minutes. I immediately contacted Venmo to dispute these unauthorized charges to XXXX. 2 charges for {$650.00} and 1 charge for {$250.00}. This was almost all I had in my account. I was assured that it would be sent to the investigation team and I waited. I was never contacted for more infirmary and then received an email that stated that my dispute was denied because it went along with my purchase history. My purchase history was {$100.00} one time to XXXX and the rest are usually around {$50.00}, if that, to buy necessities from XXXX. I called Venmo again and spoke to a supervisor. Her name was XXXX. She looked at my account and was rather baffled as she could see the report from the investigations team and they did not even try to contact XXXX. They did nothing except say it was my purchase history. Even the supervisor said that there's nothing in my purchase history even close to it and I have NEVER bought anything from XXXX. She put in an appeal and told me she would stay in contact and that she would personally try to contact XXXX as I have had no luck getting anyone on the phone myself there. I waited 5 days with no answer and then received another email from Venmo. Again, dispute denied. So I contact Venmo again. Again the person from Venmo, this time his name is XXXX, informs me that the report from the investigation team steal shows no signs of contacting the merchant or that they did anything at all. He filled another appeal. I need help with this. This was almost all my money and I have bills to pay. They need to investigate!! I did not make these transactions. Please help!!
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I originally put in a claim because the toll company had charged me for tolls that wasn't mines when I had a rental they came back after investigation and seen that I was correct and was going to offer a refund for the money but capital had already did fast forward capital finish their claim and says I was wrong and took the money back out my account i called them and they told me to send over the emails to their claim email which i did was told it would take 10 days 10 days past and then they still had no update XXXX day later they are now saying I'm still wrong I will attached the XXXX emails from the other company here.
Consumer complaint received 2020-01-24
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. (CA)

I tried to refinance my car today XX/XX/2020and when they ran my credit, they told me that I did not qualify because of my poor credit. My loan officer went over the accounts that were reporting negatively on my credit and none of those accounts belong to me ; I did not open any of those accounts nor did I allow anyone to open these accounts on my behalf. I still don't know who opened these accounts but I already filed a police report. I did not gain anything from these accounts such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts nor did I make any purchases. I do not have any relationships or contracts with any of those companies.
Consumer complaint received 2024-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SN SERVICING CORPORATION (SC)

I was in arrears, I spoke with the Asset Manager and I agree on XXXX, XXXX to their 6 month payment plan starting XX/XX/XXXX to XX/XX/XXXX. I paid a down payment of {$2200.00}. On XX/XX/XXXX I started my payment ( if needed to have their confirmations for all payments ) with {$1100.00} to XX/XX/XXXX, In XX/XX/XXXX Hurricane Helene hit South Carolina hard ( if needed, I have a video of the damages in my yard ). I used part of the XX/XX/XXXX payment to survive. I paid XX/XX/XXXX payment plan on XX/XX/XXXX, but the mortgage servicer posted it on XX/XX/XXXX. I informed the Asset Manager when I can paid XXXX, then come out with she made an error. I am thinking I would be back on track in XXXX with my regular of {$770.00} and she tell be I owe now XXXX and XXXX and if I do not have it she will go to the Investors I ask can I have a payment plan again, for 4 months that would start in XX/XX/XXXX end in XX/XX/XXXX. The plan is XX/XX/XXXX paid {$1100.00}, XX/XX/XXXX, {$1100.00}, XX/XX/XXXX {$1300.00} and final 4 month in XX/XX/XXXX, {$1300.00}. I asked her would be Investors put XXXX and XX/XX/XXXX on the end of my loan ( forbearance ) and she said they said No! I am a XXXX XXXX and living on a fixed income. I know my more is increase in XX/XX/XXXX because of my Home Insurance increase. It was her error and they should work out something with me instead of such a high payment plan.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right 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 written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-10-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MO)

I was led by forbearance steering. I used up forbearance and was not given other options. My interest rate was increasing during this time as well. My debt was on par with the national average, but after maxing out forbearance time, my debt tripled. I was not given coaching or made aware that the interest rates would change. My current interest rates are in the double digits despite improving my credit. I have a XXXX XXXX XXXX with debt over XXXX dollars. I've made payments for over a decade and seen little to no decrease in my debt. I do not have any other options for repayment and a medical emergency or financial crisis would put me in a extremely bad spot. My debt to income ratio has impacted my quality of life. It affects my credit, car insurance and living options. I have more than paid my initial balance, likely XXXX over. Navient has not made efforts to make me aware of other options and has not been flexible in payment options. The few options I had were used up over a decade ago. I am paying $ XXXX and my debt does not seem to be declining significantly. No one informed me of increased interest rates and I have not been told why interest rates increased. All of my cosigners are over the age of XXXX and retired. They are not going to be able to help.
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA (CA)

I used an Apple credit card issued by Goldman Sachs to make XXXX separate purchases at the Apple Store, an XXXX and an XXXX using the XXXX interest installment plan for both. 

I then returned an item to a different store altogether which resulted in a credit balance approximately {$3600.00}. The installment balance was around {$2400.00}. 

I requested a refund from Goldman Sachs for the entire credit balance which that representative agreed to. 

When I hadn't received the credit balance in five days I called again. I was told by that representative the original representative was mistaken, because it is Goldman Sachs policy to keep any credit balance, even if it is over the installment plan balance, to be applied to the monthly installments each month until the installment plan was paid off entirely before any funds, even those in excess of the installment balance would be refunded. 

I spoke with a XXXX other managers who reiterated the same information. 

I said okay, can I pay off the installment balance. They said sure, you can do it through the Apple Wallet. The Apple Wallet app will only let you pay off installment payments each month, so no, you can't actually pay it off early. Goldman Sachs has no way to do it. 

I talked to more representatives who all said the same thing. Hours and hours of talking to Goldman. Finally I used their chat facility and someone was able to return the {$1200.00} in excess of the installment balance, but that still left {$2400.00} they were keeping to make the monthly payments, again turning an installment product into a pay up front. 

What I finally had to do was return the XXXX and XXXX in order to get rid of the installment balance. 

This happened less than a month ago so Goldman hasn't learned their lesson from the CFPB fines.
Consumer complaint received 2024-10-23
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: GOLDMAN SACHS BANK USA (NY)

On XX/XX/XXXX of 2024 I visited a XXXX while traveling to see my friend in New Jersey. This was the XXXX XXXX NJ XXXX location. I went to the back section of the store looking to buy a USB adaptor, I selected a single item that was on sale for under {$20.00}, and walked over to the back register in the tech section and attempted to check out. An older lady behind the register had me try my card in the reader twice and stated that it wasnt working, no charges went through, and that I needed to check out at the front register. I then went to the front of the store and was finally able to check out with my single item, costing a total of {$19.00}. Soon after I left the store, when I checked my transactions on my credit card I noticed a large unapproved charge from shortly before I was able to purchase my product at the front of the store. This charge was for {$210.00} and is labeled slightly differently than my approved charge from the card reader at the front of the store. I believe there was either a skimmer on the card reader in the back tech section of the store, or the employee had charged my card for an unrelated and unapproved order despite claiming I was not charged. I have tried to dispute this unauthorized charge twice on my Apple Card with Goldman Sachs, but they stated they were able to confirm from XXXX that I authorized both charges which is completely false and physically impossible considering the fact that I left the store with only one single item valued under {$20.00}. The only proof XXXX provided that I was not falsely charged at their location was their transaction history showing that they had only charged me once, however my statement shows XXXX charges from XXXX during the time I was there when I only purchased XXXX product. Upon giving more information regarding the circumstances to Apple Card support, a team member advised me that they dont think its a good idea to use physical cards and that I should instead attempt to use tap to pay ( which is not even offered at XXXX XXXX many other major retailers ). This was also alarming as it seems even XXXX support knows their physical card is susceptible to scams, and even went as far as to advise me against using it.
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (NJ)

I acknowledge receipt of your response to my debt verification request dated XX/XX/XXXX. However, the documents you provided consisted merely of account statements without any proof of debt ownership or identification of the original creditor and subsequent assignees. As mandated by 15 USC 1692g ( a ), the CFPB has recently heightened the requirements for a debt collectors validation response, which must now include : The name and mailing address of the debt collector ; The name of the creditor to whom the debt is owed ; The account number ( if any ) associated with the debt ; An itemized breakdown of the current debt amount, including interest, fees, payments, and credits from a specific date that can be cross-referenced with records ; The current debt amount as of the date the validation notice is provided. 

Your response dated XX/XX/XXXX did not include any of the aforementioned details. 

In accordance with the FDCPA, please provide the following : 1. The name and address of the original and current creditor ; 2. Verification of the debt amount you are attempting to collect ; 3. Documentation of any assignment from the original creditor, including my name and the original account number ; 4. All relevant information on the securitization of the debt and proof of its reassignment to Hunter Warfield. 

Federal law, specifically XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XX/XX/XXXX ), and 15 USC 1692g ( b ), requires you to cease all collection activities ( including any contact with credit reporting agencies ) until you have properly validated and verified the debt amount.