davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY ()

I need help. I am an XXXX citizen living in XXXX but I am also a XXXX tax payer. 

I have not been able to get Wells Fargo Bank ( WF ) to close my account and get them to wire my money back to myself. I have been trying with no success for more than 2 years. 

1. WF refused to issue a cashier 's check with my total balance.

2. WF won't allow me to write a check to myself to drain my fund. They issued a wrong check book at the beginning, won't issue a correct replacement and failed to send the promised check book 2 years ago. 

3. I can not do online transfers. WF doesn't want to issue me with an RSE device and WF won't text verifications to my XXXX mobile number. I am not able to register online my own XXXX bank account details. 

4. WF refused to supply any recordings for past telephone calls or chats with their customer service.

5. WF removed my Secure Email access and Reply button XXXX. 

6. WF would not reply whether or not they have received by mail ( sent 3 weeks ago ), my notarized Request for Account Closure. I have also emailed WF the same notarized form to notify them.

7. WF would not respond to emails sent outside XXXX ( # 5 above ). So I can not communicate with them in writing. I found by chance WF has a XXXX account but here they wont reply to me after saying that I need to call them. I cant call them because of WF refusal to supply any recording ( # 4 above ) and the extremely lengthy delays I have experienced.

8. With NO acceptable way of communication with WF I am worried they are cutting me off and that I may not see my money again. It is a rather large sum of money close to USD {$190000.00}. This is my lifetime savings that I have worked very hard for. So you could appreciate that I have been greatly distressed over this matter. 

Would you be able to get WF to close my account and get my money back? If not could you suggest US law firms that specialise in banking cases like mine. 

Awaiting your reply, and thanking you for your service XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (VA)

I opened a checking account with Citi Bank over their telephone service because they had a promotion offer. I deposited XXXX dollars at the time. On XX/XX/2022, I received their welcome package and the debit card arrived on XX/XX/2022. I tried to set up an online account which didn't work and I couldn't activate the card either. Then I called the customer service and little did I realize that the new account has been frozen for closure. Well, why? They were around and around, transferring my call to many different departments and never gave me a clear answer. The agents told me that the bank will mail out a check to my address in 30 to 60 days. " I don't really care about the new account anymore. It is too much problem with you. Just transfer the money to my original account. You were so quick to grab the money, in fact, it only took two days for them to cash out the money from my another bank account. Surely, you could be able to transfer or mail the check to me in two days. '' These are word that I said to them, must have been more than ten different agents. They wouldn't do anything about it. Best thing they could come up was that telling me to go to one of their branch offices. I have to travel five hours each way to go to a branch office since my location doesn't have one. This is a joke! This is ludicrous! No one should put up with this. First of all, they advertise false promotion. Then they take customer 's money and block or close the account so that customers do not have access to their monies. There are so many complaints about Citi bank which are talking about the customers are not able to get their money back for many many months. I firmly believe that the Citi Bank is intentionally doing this to use customer 's funds. This is illegal activity! This is fraud! I should have no problem about opening an account with any bank. I have excellent credit score and I have accounts with several major banks. At this point, I do not want to have any account with Citi Bank. I will definitely stay away from the Bank for my life time. All I want is to have my XXXX dollars back to me. I shouldn't wait for sixty days. I don't even trust them anymore after the experience about the account opening process and reading many of the online customer complaints. The bank has no regards for people. I shouldn't have to drive hours to find an branch office. My time is valuable just as theirs. There is no way that any customer should tolerate this kind of abuse and fraudulence from a big corporation. As long as the big companies can get away with it, they would keep doing it to take advantages of ordinary customers. Their wallet is getting XXXX because of us. Without our support, they are nothing! Customers should be protected. Their hard earned monies should be protected. All the years of savings should not be taken advantage because we just trusted the Bank. I sincerely appreciate you are here for us. Please do something to help me and help the others. Thank you.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ( Kohls/Capone ) for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Kohls/ Capone ), can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Kohls/Capone ) , continues its collection efforts, I will file for litigation for actual damages caused and ( Kohls/Capone ) , shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act, FTC ACT and RICO Act.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-09-22
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. (CA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}
Consumer complaint received 2023-04-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (DE)

My husband is XXXX and on XXXX and I am XXXX XXXX XXXX 
XXXX ago XX/XX/23 we called to tell them we were having trouble this month making our payment We were told we could skip it and pay it when we could. Today we received a registered letter stating if it wasn't paid by XX/XX/23 the car would be posted for XXXX payment. We have kept up with all other payments I don't think this is a necessary action for XXXX payment We bought our car for XXXX and by the time we pay our loan off it will be XXXX. This is outrageous. Our payment {$380.00} a month which is a huge dent in our income. They don't refinance but we have to do something to get out of this loan.
Consumer complaint received 2022-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I am very angry and thoroughly disgusted with SPS!!! My current home mortgage is with SPS and recently a change was made to my account WITHOUT my request, consent or my knowledge. On XX/XX/2022, I received a letter from SPS, dated XX/XX/2022, congratulating my husband and I on a successful deferment for our XXXX payment. Issue # 1, myself, nor my husband EVER requested any type of assistance for COVID or anything else for that matter EVER since SPS has been servicing our loan. EVER. Once I received the letter on XX/XX/2022, I called in to SPS immediately, hoping that maybe it was some type of a clerical error. Unfortunately for us, it was not. I spoke to 3 different representatives, who ALL confirmed that they did not have any record of either myself or my husband calling in for any type of assistance and they were unsure as to why the request for the deferment was ever even approved if we didn't make the request. They admitted that they made a mistake even though no one could tell me how it happened. So we need to know why SPS allowed something like this to take place without the request or consent of either of us, the only 2 people listed on the mortgage!!!! The next issue that we have is that we are refinancing our home. It is scheduled to fund today ( XX/XX/2022 ), but when the mortgage broker tried to verify that our XXXX mortgage payment was made in XXXX, they are not able to confirm that because SPS is applying the payment that we made in XXXX for XXXX to XXXX 's payment. This poses a problem, because now it appears that there was no payment made for XXXX. Due to SPS ' error we are in jeopardy of losing our refinance!!!!!!!!!!!! I have requested to have this escalated with my phone call yesterday and it has not been rectified yet! 
There is no way that a deferment should have been approved on my account when neither of the account holders EVER requested or consented to this! That would appear to be some type of fraud to me. Since this was an error on the part of SPS, I would expect that this would be resolved expeditiously, but that doesn't seem to be the case!
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UnBanked (HI)

Unbanked ( UNBNK ) ran a promotion for a bonus payout of {$150.00} worth of UNBNK upon spending XXXX XXXXXXXX by XX/XX/2022. I completed the requirements and Unbanked is refusing to payout the {$150.00} bonus to me. Please find proof of my claim, attached. Unbanked has made false assurances claiming that I would qualify for this promotional bonus as there were ample spots left and that I would make it in time without any issues, whatsoever. Then they stalled paying me out and turned their story around saying that I was not eligible. This is immoral and unethical customer service. Unbanked needs to recognize that over-promising is wrong and they need take responsibility for their mistake by honoring the payout to me.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Based on my dispute with XXXX XXXX " XXXX XXXX XXXX  '', which has been negotiated with CFPB months ago, and concluded with XXXX XXXX admission that was done in error in charging for unearned services- XXXX still reporting " Serious Delinquency '' and Lack of Recent Installment Loan. The issue of delinquency has been discussed with the three Credit Monitoring Vendors, but with no avail. With regard to " Lack of Recent Installment Loan '' I have no idea what they are talking about, as I have nothing to do with any loans or payments issues.
Consumer complaint received 2022-09-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I called XXXX XXXX and asked them to contact Portfolio Recov Assoc, and tell them that I have resolved the account with XXXX XXXXXXXX. I was told to send all Info to XXXX XXXX and it would take XXXX months not XXXX days to resolve this. I only owe XXXX  XXXX XXXX dollars and Portfolio Recov Assoc states I owe the XXXX dollars along with verbage like SERIOUSLY PAST DUE DATE, ASSIGNED TO ATTORNEY, COLLECTION AGENCY, OR CREDIT XXXXXXXX XXXX XXXXXXXX ; XXXX INTERNAL COLLECTION DEPARTMENT. This statement by Portfolio is on my XXXX Credit Report and I have disputed it and it still remains. I have all documentation to back this up and It will be attached.
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXX ACCOUNT # XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
Consumer complaint received 2023-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (NY)

Summary : Calls to my loan service provider ( Aidvantage ) consistently hang up in the middle of the conversation, with no callback service provided. 

Details : My loan service provider is Aidvantage. The typical hold time to speak to a representative is upwards of 1hr. Nearly every time I have gotten through to speak with a representative, the call will drop on Aidvantage 's end as I am in the middle of conversing with the representative. I would estimate that this happens on approximately 80 % of calls to Aidvantage, in my experience. 

Because I have grown accustom to expecting the call to drop, I had requested at the beginning of my calls that Aidvantage call me back directly if the call drops. However, Aidvantage representatives told me that Aidvantage does not do any callbacks. So, to get a complete answer to my question, I have to call the customer service number again and wait on hold all over again, often just for the call to drop a second time once I get through to a representative. 

The practical consequence of this means that my typical experience with Aidvantage is as follows : I will have to wait on an extensive hold, generally for over an hour, each time I want to speak to a representative. Once I get off hold, I will begin explaining my issue to the representative. As the representative is in the middle of her explanation, the phone call will hang up. After hanging up, I will receive no callback or follow-up email from Aidvantage. Assuming my question had not been answered, I will then have to start from the beginning, calling the customer service line and waiting on hold to get a representative. During the second call, I will have to rush to explain my situation and where the previous representative had left off. If I request that the second representative jot my number down since the calls consistently drop, the representative will tell me that it's against Aidvantage 's policy to perform callbacks. I then have to hope that the call does not drop a second time ( or third, or fourth, as the case may be ) before my question is answered. 

Aidvantage needs to be held accountable to correct its faulty phone lines and unacceptable " no callback '' policy. Its current policy has wasted countless hours of my time. And based on a cursory XXXX search, it appears that many others have had this experience as well.
Consumer complaint received 2022-09-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

XXXX XXXX, XXXX and Equifax violated my rights. I disputed this account because it has been reporting inaccurately. This account has been deleted from XXXX, yet XXXX and Equifax continues to parrot back off of the the creditor. The creditor is incorrect and these credit reporting agencies refuse to be fair and partial. In fact they are wilfully neglecting to protect me as a consumer. They claimed that XXXX XXXX " verified '' this as accurate. Why would XXXX XXXX report different information to the 2 Credit Reporting Agencies? XXXX reported to XXXX that the terms were 72 months, yet reported to Equifax that the terms were 0 months. XXXX reported to XXXX that the high credit was {$15000.00}, but reported to Equifax that the high credit of {$6700.00}. XXXX reported a date of last activity to XXXX of XX/XX/XXXX but reported a date of XX/XX/XXXX to Equifax. XXXX reported a Date of last payment as XX/XX/XXXX to XXXX and a date of XX/XX/XXXX to Equifax. In addition the payment history is totally different, all of the information contradicts. proof of inaccuracies attached. XXXX deletion attached. 

Please delete immediately for inaccuracy. Per the FCRA my report is to be 100 % accurate. Proof attached.
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NY)

When I noticed the billing error with Discover credit card services. I sent a affidavit of truth on XX/XX/2023. I requested documentary evidence in order to resolve the billing error. Discover did not provide me with what I requested and failed 15 USC 44 and 15 USC 1666 ( b ) ( 2 ). This is a 15 USC 1601 violation and Discover is civilly liable to me under 15 USC 1640.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The Fair Credit Reporting Act says that, information on a credit report has to be timely, verifiable and accurate. I have made several attempts to remind the bureaus of their duty pursuant 15 USC 1681. It appears they are intentionally and willfully neglecting my request to investigate this account. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am filling this complaint as another attempt to get this resolved. XXXX XXXX  is reporting inaccurate and incomplete information about me, which causing me serious financial stress. XXXX XXXX  account shows no payment history is being reported to XXXX and a different payment history to Equifax and XXXX. XXXX XXXX  deleted my entire positive payment history on XXXX and created false data to show that the payment history is being reported accurately and fair. This account is now inaccurate, incomplete and no longer fair and must be removed from my credit report immediately. XXXX XXXX took away all my positive payment history before the account was charged-off and the time is absolutely wrong because they deleted their own payment history.
Consumer complaint received 2022-09-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One is the bank not taking responsibility for releasing {$19000.00} from our savings account to a bank account not in our profile for transfers. Two withdrawals of {$9500.00} were made the same day XX/XX/XXXX and they didnt stop this withdrawal and contact us. They paid the funds XX/XX/XXXX. They claim it was made by the joint holder of the account. The joint holder has never made withdrawals from this account and they failed to see the fraudulent withdrawals and released the funds. Our nest egg funds. I have spoken to five bank reps after I saw a note on our online account. They insist its a fraud case in process and we have to wait for the other bank to return the funds. I feel Capital One should return my funds and they can wait for the return. They are at total fault. They failed to protect our account in every sense of the banking system and are holding us XXXX with their delays. Weve had this account since ING and all transfers have been to the same bank. And they never took precautions to check this fraudulent act. Their rep responses on the phone are evasive and their is no other way to find a contact with more authority. The CEO has an email on the Capital One XXXX website and you can not forward mail yo XXXX. I would appreciate your help in recovering our XXXX XXXX funds.
Consumer complaint received 2022-09-22
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. (AZ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints for several times already but still, this account is visible on my credit report. I have no idea what is going on over there at the CFPB. This is so incredible! How can you guys let these multiple complaints pass? You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have sent my FTC report to them but still, nothing has changed. This fraudulent account should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$43000.00}