davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In XX/XX/2020 I have received two transaction from my client in XXXX, XXXX XXXX in the amount of {$470.00} and {$320.00} ( attached ). However the sending XXXX XXXX routed the transactions through its affiliate Bank of America while disguising the international origin of the wire transactions ( violation of the Patriot Act II ) .. What was received on the end was {$50.00} less for both transactions as the XXXX XXXX conveniently disguised any fees charged to both my client and me and the transactions arrived as {$450.00} and {$290.00} respectively without any proper transaction routing and fee listing disclosures. What bank is doing is not only unethical but illegal and it must be stopped as this type of practice also encourages money laundering and complete lack of accountability/transparency. XXXX XXXX and Bank of America refused to answer any questions regarding this transaction.
Consumer complaint received 2023-03-21
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: Experian Information Solutions Inc. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to the 15 USC 1681i ( 5 ) The credit bureaus said everything was complete and accurate but the reporting dates are wrong each account has been closed due to fraud. 

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. 
Account # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CLOSED XXXX XXXX ACT # XXXX OPEN XX/XX/XXXX CLOSED XXXX XXXXXXXX XXXX XXXXXXXX # XXXX OPEN XX/XX/XXXX CLOSED XXXX XXXXXXXX XXXX XXXXXXXX # XXXX OPEN XX/XX/XXXX CLOSED XXXXXXXX XXXX  ACT # XXXX OPEN XX/XX/XXXX CLOSED BY COURT ORDER SETTLMENT 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 16 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 conviction 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (FL)

This case was previously presented to CFPB in which the debt collector agreed to remove it from all credit reports. The case number is XXXX. Upon monitoring and contacting all 3 bureaus the debt collector is refusing to remove this account from my credit. Attached are all documents that were previously presented to prove that this debt is not mine. Also attached is the statement provided by the debt collector to CFPB.
Consumer complaint received 2021-06-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I received a email from PayPal on XX/XX/XXXX that PayPal is going to withhold my account balance for 180 days without any reasonable explanation. 

Then PayPal withdrawal the remaining balance of {$300.00} on XX/XX/XXXX from my accounting citing correction reasons and failed to disclose what's the detail charges. 

PayPal customer service failed to provide any reasonable explanation towards the freeze on my account and refuse to return my money. Therefore, I am filing a complaint again PayPal.
Consumer complaint received 2020-07-08
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (IL)

I was on the COVID 19 plan with NEW REZ MORTGAGE. I was on forebearance plan for XXXX XXXX AND XXXX. 

They reported me late for XXXX AND XXXX and my credit is destroyed. I was told and all the information available says that ANYONE that is on CORONVIRUS forebearance can not have derogatory credit showing they are late. 

Well my credit report is showing that I am late. I need these late payments removed. I am not late, nor was I late based on the COVID 19 agreement. Please help me.
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (PA)

In accordance with the ) Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights and privacy and confidentiality, under 15USC 1681. 
Account name : XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX 15 U. S. C 1681 SECTION 602 A. States I have a right to privacy.

15 U. S. C 1681 SECTION 602 A. Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U. S. C 1681c. ( a ) ( 5 ) SECTION 6 A Section 2 : It also states a consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U. S. C 1681s- ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows of had reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NJ)

I leased a XXXX XXXX XXXX XXXX at XXXX in XXXX New Jersey on XX/XX/2016. I signed a lease contract with Chrysler Capital for a thirty-nine month term. The auto lease contract was incorrectly stated on my credit report as a three month lease and the lien holder information was incorrect as well. I submitted a copy of my auto lease contract to XXXX, XXXX and XXXX ; with no resolution. 
I am attaching a copy of my auto lease that I signed with Chrysler Capital along with a copy of my credit report. The information furnished on my credit report does not match the payment terms indicated on the signed lease contract. Please remove the incorrect information on my credit report. The account is in a charge-off status due to clerical errors.
Consumer complaint received 2024-12-13
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: Sparrow Financial, Inc. (AZ)

As noted on my credit report, I am a victim of identity theft as a result of a data breach. Someone is applying for multiple loans in my name, and my spouses. The inquiries must be removed as they are damaging both of our credit. My wife has made complaints as well. 

FRAUDULENT INQUIRIES ARE : XXXX ( Finance ) XXXX ( Finance )
Consumer complaint received 2021-09-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Without missing any payment when trying to refinance Bank of America who was servicing a loan from XXXXXXXX XXXX XXXX  could not refinance because there had not been a release of lien from previous lender XXXX XXXX. Once I had acquired and negotiated we were able to have XXXX XXXX XXXX the lien. Bank of America and their servicer XXXX used illegal filed documents and foreclosed and sold our property we had a release of lien on and did all this against a consent judgement from CFPB and now have been filing RICO complaints against me for seeking arbitration and getting an arbitration award. When does this abuse stop. The consent judgement they agreed to alll the while they were illegally foreclosing on a property that had a release filed into the public record. Now they filed RICO which was dismissed now they filed another one this month changed the story a little and came back again. This is malicious abuse of Civil Procedure and is against the CFPB consent order. Are you guys going to do something against these services lenders.
Consumer complaint received 2020-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I disputed a transaction in which Bank of America told me that I would receive a temporary credit. 15 calls over 1 week period and no credit. I called the merchant and spoke to several people and they finally agreed to give me my funds back. Now Bank of America is holding said funds from me and wont release them. I call both customer service and the claims department and they could care less. They say that there is nothing that can be done and pass me off to the next person. There is no true customer service here. Now I am sitting at home missing work because they wont release my funds.
Consumer complaint received 2022-06-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (PA)

XX/XX/2022 at XXXX my friend accidentally sent me the wrong amount of {$1800.00} on VENMO, at XXXX I returned the money back to her and both the money sent to me and the money I sent back are listed in my Venmo transactions as completed. On XX/XX/2022, Venmo froze my account and removed all funds I had in the account due to a chargeback from my friends card issuer. My friend explained she didnt know the amount went BACK to her venmo balance and not her card used, she called her bank and canceled the dispute. I have tried to contact Venmo in multiple ways- phone, email, chat without resolving the issue and they have closed my account keeping it frozen. I am owed the money back from Venmo removed from my account balance which in total is over {$700.00}. They will not return the funds and will not give me any explanation or resolve the issue with me.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC (SC)

I have contacted the company several times on XX/XX/XXXX and XX/XX/XXXX and didn't get any results. On XX/XX/XXXX I spoke with a representative he could not find anything in their system. So he told me call back on XX/XX/XXXX to speak to someone in another department which I did and she informed me that she could not find anything in the repo data system. She advised me to dispute it with the credit agency and they received the dispute and they will remove it.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (FL)

I have 2 hard inquiries on my XXXX  XXXX XXXX report from Citibank Na, XXXX XXXX the XXXX on XXXX XXXX and XXXX XXXX XXXX I did NOT authorize these and Ive tried everything to get their customer service on the phone please help
Consumer complaint received 2019-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KS)

I sent in a mortgage payment in access of my regular monthly payment. Fifth Third Bank applied the money only to my principle and not to my regular payment. They also charged me a late fee. It took several phone calls to get the situation rectified. Once I got someone to apply the moneys sent to my payment and then the overage to my principle I had to wait three days to confirm the changes were made to my account. When asked why they did this, I was told this was standard practice when large payments were sent in. When I asked how I make a complaint to the Consumer Protection Agency about this practice, the agent and her supervisor were unable to provide me with the information.
Consumer complaint received 2021-09-13
Product: Credit card or prepaid 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: CITIBANK, N.A. (CA)

I had a Credit Card with Shell Citibank Mastercard in the past. But I canceled it. 
I canceled the account and the Credit Card back in XXXX. 
I have not gotten any emails or communications from Shell Citibank showing Statements, Communications, etc. since XXXX. 
The last STATEMENT I received was back on XX/XX/XXXX. 
This would make sense to me if I canceled my Credit Card and Account back in XXXX. 

I separately had an account for XXXX XXXX XXXX with XXXX. 
I suddenly got Invoices from XXXX in XXXX and XXXX of XXXX for the monthly subscription bill. The Invoices showed it was charging the Shell Mastercard account. I reached out to XXXX and corrected the Credit Card to charge. XXXX has corrected this. 

I got a call from Shell Mastercard today, XX/XX/XXXX, saying that I have an overdue bill for something over $ XXXX as a result of starting with a {$6.00} monthly bill, that now has several LATE PAYMENT FEES on top of it that seems to be adding up. 
I requested to speak to someone that can help figure this out and they proceeded to transfer me, only to have the call hang up on me without actually speaking to someone. 

I called the Customer Service Line with Citibank and was promptly hung up on after waiting on hold for 45 minutes.

I called another Customer Service Line with Shell Citibank, and was promptly hung up on after the computer phone system was transferring me to an operator.

The Computer Phone System with CITIBANK can not find my account based on my SOCIAL SECURITY #. 
I don't know the Account Number because I DON'T HAVE AN ACCOUNT ANYMORE.

I don't physically have a CREDIT CARD. The Credit Card had an Expiration Date from many years ago.

I don't have any Numbers to link my account to and actually talk to someone on the Customer Service Line to get to the bottom of this.

I canceled my account with Shell Mastercard Citibank many years ago.

I receive NO STATEMENTS.

I receive NO EMAILS.

I called the help line, but the Phone system can not locate any records attached to my Social Security ( again, this makes sense because I canceled my account with them years ago ).

I do not know what to do at this point.

I do NOT want my Credit Score or Credit History affected by this issue.

Please advise.
Consumer complaint received 2022-07-21
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. (TN)

I want to submit a complaint about my credit report information that is questionable. I would like to dispute certain inaccurate information in my file which I believe is possibly an Identity theft. Here are the list of information in my report : XXXX, XXXX, DO XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2001 XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2001
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sterling Credit Corp. (PA)

I had an account with XXXX, which Sterling Credit Corporation took over. I paid Sterling Credit Corporation XXXX by certified check on XXXX, which they stated in their payoff letter that I would no longer be held responsible for the remaining balance. This reports to all three credit agencies as a balance owed of XXXX.
Consumer complaint received 2022-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/2022, I received a call from the XXXX XXXX police department ( came from that phone number XXXX ) and the person left me a voicemail saying he was sargeant XXXX XXXX with the XXXX XXXX sheriff 's office and needed to speak with me regarding an ongoing case. He provided a cell number ( XXXX ) to call him back at. I called back and left a voicemail and he then returned my call and said I had XXXX XXXX  that I didn't show up for and therefore was being given 2 citations. He provided citation numbers and told me that I needed to pay these fines ( total of {$3000.00} ) and meet with a judge in order for it to not remain on my record OR I can have it remain on my record. He provided me with another Officer in the Treasury Department, XXXX XXXX and an email address to send payment to through XXXX  ( XXXX ). He said once payment is received, I will receive a notification and be transfered to his receptionsit to set up a court date with the judge via XXXX. I sent money and then they hung up. I have contacted my bank, Wells Fargo and they said they can't do anything to help me. I have tried requesting a refund through XXXX but now the recipient is no longer regsitered with XXXX I filed a police report with the XXXX XXXX police but have had no luck with that.
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TX)

My husband income was cut by 40 % last XXXX and returned to normal XX/XX/XXXX. He is salaried and worked long hard hours to help his company maintain as a good manager would. He did not qualify for government help as some other can. We quickly depleted our hard earned 3 months worth of savings and are now facing having to dip into our retirement savings. I wrote a letter to Department Store National Bank ( the bank behind Macy 's credit cards ) along with Citibank to ask them to please lower the outrageous interest rates ( 25-28 % ) to help be able to make the monthly payments. They refused. SECOND ISSUE. This last month I needed to pay the bill from two seperate accounts. After I paid half of the min due, I went to pay the rest out of another bank account of mine but it refused to take the payment saying that only one payment can be made per day resulting in a XXXX late fee. THIRD ISSUE. For XX/XX/XXXXpayment I tried to do a forbearance for the month. I had to send an email per Macy 's credit card 's webpage. I did and got turned down. I was charged late fee for paying 1 day late while waiting on their response. 

Seems to me that if Department Store National Bank ( DSNB ) or Citibank would, at the least, lower the outrageous interest rate, consumers like myself would be about pay our dues!
Consumer complaint received 2023-03-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC (FL)

Aldous & Associates have intentionally attempted to harrass me. The company has called multiple times and when I answer there is a prerecorded message demanding that I call to make a payment. I have advised several representatives to stop calling. Every time I block XXXX number they start calling from another number. This company has called me during my work hours. They have called me while I am in bed going to sleep. They have made this matter a complete nightmare.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 2022-10-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc (CA)

I opened the Chime account at the end of XXXX ( during XXXX of XXXX weekend ). 

Account creation went through swiftly. 
At that time i firstly uploaded all the required documents for identification. 

After roughly XXXX week i received the debit card. 

On the XXXX of XXXX i try to login to get the transfer information to move some money into the account. however, I can not do it since my account has been either suspended or closed. The app tells me to write to " XXXX '' which I do promptly. 

On the same day I write to " XXXX '' which tells me that my request has been transferred to the specialists team. 

On XX/XX/XXXX I sent another email asking for the account closure. " Transfer to the team '' as answer. 

The day afterwards ( XXXX of XXXX ) i call support because I received no answer. They told me to write an email to " XXXX '' a bunch of pictures of me holding my driving license, a piece of paper with my name on it and a selfie. Same as before, I got only the " transfer to the team '' answer. 

I called them on the day afterwards XXXX of XXXX, no luck. 

On XXXX of XXXX I tried again with the phone support. XXXX minutes call. They requested various pictures ( again, same as the one requested on the XXXX ) to be added to the open ticket and they told me I would have received an answer " soon ''. They also suggest to open a new ticket with the very same pictures on the same day always through email. Done that, no luck. 

Called them again on the XXXX. Same story. 

Called them again on the XXXX of XXXX. No luck. 

Various pings were made through email on every open ticket. I still have no answer on why my account has been locked.