davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (OR)

I have a checking and savings account with Wells Fargo. On XX/XX/23 I was notified that my checking account balance had gone down to zero and overdraft protection from my savings was initiated. 

When I looked into my account, there was an unauthorized transaction that occurred which took all of the money out of both my savings and checking accounts. I called Wells Fargo on XX/XX/23 - they gave me a claim number ( XXXX ) and said it will take 10 business days to resolve. However, when I saw that no claim has been filed under my online account, I called them again on XX/XX/23 to inquire and this time another claim number ( XXXX ) was created and was posted under my online account. My daughter and I called the claim department again today, XX/XX/23 and they again stated the 10 day timeline with no updates. 

All of my and my wife 's money were in this Wells Fargo account and we have no cash to pay our bills, my wife 's passport renewal check was getting processed and will now be delayed, there are overdraft fees associated with this erroneous transaction, and possible damage to our credit score. We can not wait 10 business for our money to be returned, we expect immediate resolution and compensation.
Consumer complaint received 2019-03-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I send funds to a individual that was selling a product online. I use my bank account to send funds through XXXX to the individual and the person never send me my product and not responding to any emails. The date I send the funds was on XX/XX/2019 of {$600.00}. I called my bank and expressed to them on the same day I was being scammed. The bank said it couldn't return the funds to me because it were already sent to the other person bank.
Consumer complaint received 2023-01-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NV)

My complaint is against VENMO, which is an online money transfer service. 

On or about XX/XX/2023, my sister sent me {$100.00} using VENMO. This money has been held up by VENMO as they allege that an email address *I no longer use* is associated with fraudulent activity. This old email address was in use and compromised when XXXX was hacked a year or so ago. 

I responded to VENMO using its online form and advised I no longer use the account in question and asked them to release my funds. They have refused to do so and continue to allege fraudulent activity connected with my *former* email account. 

I am XXXX XXXX XXXX and retired. I live on a modest income and need the money my sister sent to me to take my dog to the vet. 

I am asking for my money {$100.00} to be released for transfer to my bank account by VENMO. Neither my sister nor I can afford to lose {$100.00}. I will close my VENMO account once I receive the {$100.00} and transfer it to my bank. 

Thank you for your help with this matter.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/23, payment is due for Capital One account before being considered late. Their invoice and online website states that payment needs to be submitted by XXXX EST for online or website payments, however, it doesn't not state this restriction for paying in person at their banking locations. Therefore, I went to a local Capital One XXXX branch and made payment. After making payment at branch location, called customer support to verify record of payment, which was confirmed. In addition, representative mentioned it was received and no late payment nor interest should be charged. However, if it happens to be considered late with fee, please reach out to customer support and it will be completely waived. 

Forward to XX/XX/23, reached out to customer support as fees have shown on next statement. Representative and senior representative would only partially cover the fees as they consider it late even though payment made on due date nor any restriction time for payments made at branch.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 15USC 1681 15USC 1666b 15USC 1681 a ( 2 ) ( a ) ( i ) 15USC 1681a ( 2 ) ( b ) 2021 its publication 4681 15USC 1681a ( 3 ) 15USC 1692g 15USC 1692c 15USC 1692j 15USC 1681b ( 2 ) 18USC 1028a XXXX Account name. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 1681s-2 A1 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 2024-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates , LLC, placed a collection account on my credit report. I disputed the debt with the credit agencies. I requested verification of the debt, signature pages, and payment history of the account. Portfolio Recovery has not provided this information, but did provide a one page with information about XXXX XXXX  being the original debtor. This debt was forgiven in XXXX  and a 1099C was issued.
Consumer complaint received 2016-04-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NH)

I contacted the collection agency on multiple occasions via returned receipt regarding verification of debt. The collection ignored my requests to verify this debt. I also sent CRA certified letter requesting the same. CRA response was that they verified. I have never received any verification from this agency and request that it be removed from credit report. They never validated debt to me and are in violation of FDCPA and continue to report on the debt. I filed a complaint with the XXXX and finally received copies of statements from LVNV after 4 years of requesting proof of debt. But the Provided credit card statements from Account Number demonstrates that the balance is {$830.00}, I requested LNVN to provide details on how the alleged amount of {$1000.00} was calculated, LVNV has been reporting this balance against this account to all XXXX credit reporting agencies on my credit report As per XXXX v. XXXX XXXX, XXXX, 2010 U.S. Dist. XXXX XXXX ( XXXX XXXX, 2010 ), Misstating the amount a Consumer owes by a mere penny may constitute a violation of the Fair Debt Collection Practices Act. The FDCPA prohibits the use of any false, deceptive, or misleading representations in an attempt to collect a debt. See 15 U.S.C. 1692e I have not received any such agreement from the original creditor, As per law the LVNV is not authorized to collect interest unless it is authorized, I request LVNV to provide a contract from original creditor stating that LVNV is authorized to collect interest on this account. As per evidence presented above LVNV has violated FDCPA and I request all references to this account to be deleted from my credit reports and completely removed from my credit file.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (GA)

I have been a victim of identity theft by a former friend and because of this I have debts on my credit report that do not belong to me. I've disputed this from my credit reports several times and even with the loan company for years and it still remains. I don't know what else to do and why they keep this on my record without validating their information. Please help.
Consumer complaint received 2024-10-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MD)

I am writing to formally dispute a transaction in the amount of {$350.00}, which was paid through Cash App on XXXX. XXXX XXXX for services that were never rendered. The transaction was intended to cover repair work by the service provider, XXXX XXXX Despite my payment, the service provider failed to fulfill the agreed-upon service. I have made multiple attempts to contact them, but they have not responded or provided any valid reason for the delay or non-fulfillment. This has led me to believe that this transaction was fraudulent. I have requested a refund from the service provider but have not received any response. 
I am requesting assistance in recovering the {$350.00} due to this unresolved and unfulfilled service. I have attached supporting documentation, including the transaction receipt, messages exchanged with the service provider, and any additional attempts to resolve this matter. 
Thank you for your assistance in resolving this dispute.
Consumer complaint received 2024-10-17
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Williston Financial Group (WA)

WFG is whom we used to close on our home sale, now the mortgage was solely in my ex-husbands name, I was excluded, however I was on the title of the home. We closed and five days later, the company calls and leaves a message that I need to return all the monies wired to me as XXXX XXXX  did not " provide '' a proper payoff statement to them when we closed. I asked EVERYONE one involved if the amount we were splitting was accurate and everyone assured me it was.

Upon further investigation on my part as I received nothing from the company to describe what the issue was with the payoff, it comes to my attention that WFG completely MISSED the interest that was due ( and actually listed on the payoff statement ) so the payment to XXXX was short. I have never received any updated information regarding this, just a lawsuit. The sued my ex-husband as well and they got a default judgement against him, and are also coming after me. They have yet to admit they missed it completely, and two years later are coming after me. I was not on the mortgage, the interest that should have been paid to the mortgage company on behalf of my ex-husband is not my debt.
Consumer complaint received 2016-03-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (NY)

I was recently made aware of a debt that I may owe to XXXX XXXX XXXX XXXX XXXX in the amount of {$78.00}. This debt was related to a deposit account I had with this organization. I noticed the debt reporting to my credit files and disputed the information. I was quickly advised in writing from XXXX XXXX of this debt. I made a call to XXXX XXXX this morning XXXX/XXXX/2016 to advise them of my intention to pay this debt for {$78.00}. They had advised me this account was placed with a company called Monterey Financial based out of California. 

I contacted Monterey Financial when they opened this morning ( XXXX/XXXX/2016 ) and was advised for my account number with them and that my balance is not {$78.00} but {$120.00}. I argued stating that XXXX states it to be {$78.00} and that is what they are reporting. They stated that the account was placed with them for collections over 3 years ago. They had very old contact information and had no way of getting in touch with me. They stated they last attempted to reach me on XXXX/XXXX/2016 with no luck as again the information they had was almost XXXX XXXX XXXX. 

After going back and forth with their Agent XXXX XXXX XXXX. I decided I was getting no where. So I contacted XXXX again and they informed me that anything they would be charging would be their fees or accumulated interest on my original debt. 

To the best of my knowledge the FDCPA expressly forbids this. As a consumer I am not required to pay any unauthorized charges such as interest rates, fees, or other charges. XXXX also advised me on this call that only the amount of {$78.00} would be sent to them. I called back Monterey Financial and they advised me that the total amount of interest was billed at XXXX cents/day. This brought my balance to {$100.00} and they were charging a {$20.00} processing fee to handle my payment. They also advised me that they total amount of {$100.00} would be sent to XXXX and they only collect the {$20.00} for the payment fee. 

As far as I can tell I am paying an unlawful 10 % interest on a {$78.00} debt to capcom fcu and an unlawful {$20.00} payment processing fee to Monterey Financial. 

I made this payment because I am attempting get approved for a mortgage and was advised this could potentially hinder me. After making this payment I quickly researched and realized that I may have been charged undue interest and payment fees on behalf of XXXX and Monterey Financial.
Consumer complaint received 2015-10-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on TRANSUNION credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Consumer complaint received 2016-05-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have XXXX credit cars with XXXX XXXX XXXX, XXXX is a XXXX, the other a XXXX. Both are current, with a {$24.00} balance on the XXXX, and a {$0.00} balance on the XXXX. TransUnion is showing that I have a card with XXXX XXXX numbered XXXX ( it does not list the last XXXX digits ) with a balance of {$720.00} that is over 120 days past due. This is not my card. I have notified TransUnion. I called XXXX XXXX to notify them, as well. XXXX XXXX says they will need 90 days to investigate, and that I need to deal with it through TransUnion, as it is their error, not XXXX XXXX 's. The XXXX XXXX employees speak English very poorly, and communicating verbally with them is difficult. They provide no email address to which one may send electronic correspondence. The entire thing reeks of a scam.
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (AZ)

LVNV Funding LLC states they opened this account In XXXX of XXXX. Updated as of XX/XX/year>. It has only reached my credit as of XX/XX/year> not XX/XX/year>. If it was established open in XX/XX/year> I have not received any notice of any form that something owed was bought by them nor do I know what this balance of {$1000.00} is owed from. The report has no original creditor and no information on who sold it to them like my others do have. The dates are inaccurate, this creditor did not send a validation notice, nor attempt to contact me before sending this to my report. Its been opened as for XXXX  Months but has failed to notify me and only put it on my credit now in XXXX.
Consumer complaint received 2023-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

There was a lis pendens against my property, which I have retained my own attorney and got it resolved immediately and reported back to shellpoint, as my mortgage lien holder.

However, they first illegally stop taking payment from me. Then bill me an outrageous unexplained " litigation cost '' of {$4700.00}. I called the customer care many times, but they refused to help. Told me to contact " XXXX '' which i did many times never got a reply. 

I have also mailed them qualified written request which i never got a reply.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I reviewed my credit report more than 30 days ago, XX/XX/2022, and requested Experian update my personal information. More specifically my name. I found multiple variations and spellings of my name. I only go by one name and one spelling of that name. I sent documentation providing my name and the one variation of spelling to Experian and my information still has not been updated.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NY)

I am submitting this complaint regarding Accounts : 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 ( wont show rest of account. despite requests but remains as a negative on my credit report ) XXXX XXXX Account Number XXXX and their unauthorized reporting practices, which have caused significant financial and personal harm. 

XXXX XXXX actions constitute willful violations of the FCRA, including : 15 U.S.C. 1681b : Reporting corporate credit information without my written consent. 15 U.S.C. 1681s-2 ( a ) : Failure to report accurate and complete information. 15 U.S.C. 1681c : Improper reporting of adverse information without following FCRA guidelines. Engaging in deceptive practice of selectively reporting only negative information after years of not reporting one single positive account history, causing significant harm to my business and personal finances in order to force a legal settlement. Only negative items were reported when years of positives are shown nowhere on my credit report. This was malicious and willful. They continue to report negative after charge offs when accounts closed in 2022. 

these actions violate XXXX XXXX consumer protection law ( NY GBL 349 ) in addition to FCRA
Consumer complaint received 2015-08-24
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (MD)

( 1 ) The quick and dirty is my house was foreclosed on in XX/XX/XXXX. In XX/XX/XXXX Wells Fargo entered a settlement agreement with the State of MD because they improperly foreclosed on thousands of MD residents. I received a check from that settlement. Fast forward to XXXX XXXX, I get notice that I am being sued for the same property and that I owe XXXX to XXXX XXXX, who bought the rights from Wells Fargo. XXXX XXXX got a default judgment in XXXX XXXX. I appealed and got the judgment vacated in XX/XX/XXXX, in part, because I was still XXXX when served and needed time to determine why I was being sued. I explained to the Plaintiff 's attorney that the suit did n't make sense. If anything, I should be suing Wells Fargo for the improper foreclosure but I just wanted to move on. The hearing is scheduled for XX/XX/XXXX, in XXXX County, Maryland. 
I do n't know what my rights are, but I find it problematic that the company that admits that they improperly foreclosed on homeowners and paid me a settlement for wrongfully doing that can now try to sue me for the difference or transfer that right to another in a transaction that was likely improper. It defeats the purpose admitting you are wrong by paying {$2000.00} and saying you are sorry and than asking for that money back plus another {$140000.00}.
Consumer complaint received 2015-08-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MD)

I owned a property that was foreclosed and I never contested. I do n't even recall being served but I received a letter from the court that a judgment was entered for the XXXX trust on the house, which was owned by Wells Fargo. Wells Faro 's attorney garnished my wages and I was making payments for about two years. Sometime around XXXX 2013 I get a letter from the attorney stating that my garnished wage order was dismissed. I spent literally 6 months trying to get an answer why, and never got a response. I have emails from the attorney and Wells Fargo, but no response as to why. I suspected that there was some time of violation, but did n't know who to talk to or what was possibly improper. I learned about the SCRA while taking my XXXX and suspected that the violation was charging me 10 % interest for over a year while I was on XXXX. When I attempted to contact the lawyer they wrote " We no longer have this file. Please call XXXX XXXX at ( XXXX ) XXXX at Wells Fargo Bank. She will be able to answer your questions. '' XXXX XXXX passed me on to another employee who told me that she knew why, but that legal would have to tell me. I called several times requesting information and never got a response. I figured something was very wrong, because of the sudden, " you do n't owe us anything. We ca n't talk response. '' I would like to know why I stopped paying and if my rights were violated, what is my recourse.