davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (TN)

On XX/XX/XXXX, XXXX I received a call from regions to dispute some fraudulent charges that were supposedly happening on my personal account- what i didn't know was that this was a very organized and planned cyber attack on me. These people knew everything about me- they hacked into my regions online banking and had access to it all- i was unaware until later that evening. They had fraudulently set up XXXX wire transfers from my business account totaling XXXX $!!! Never in my life have I ever wired money out of any of my accounts with Regions!! This was a blatant act of fraud on the deepest level and I have been a loyal customer for XXXX  years. I was duped, possibly an inside job, I don't know but they hacked my email as well- I called regions and soon figured out what had happened- I told them to stop the transfer that it was unauthorized but they said they couldn't because it was pending. that I had to go file a fraud complaint with an open branch- so I did that on XXXX  XXXX. The fraud department received this on XXXX  morning because they are closed on the weekends. I told them what happened sent them all the info that I had on my phone. They returned XXXX of my money about XXXX days later but will not return the other XXXX. On XXXX I received a letter saying that they would not return my money. This is unacceptable!! I have been in business for XXXX  years and been saving this money just to have it gone in a flash - all my hard XXXX XXXX XXXX asking you to make regions make this right... please!!
Consumer complaint received 2021-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AL)

First of all I would like to give the utter most graditude for those bankers that was fired for not participating in the illegal practices that Wells Fargo bank has forced those bankers to open up fake accounts with out authorization of those consumers with out the consumers and customers permission. And people that has accounts with Wells Fargo has used the consumers and has taken advantage of those consumers that trusted Wells Fargo bank to help those consumers to succeed in helping them to be financially stable. But surely this is not the case in Wells Fargo bank eyes. I just want to address several issues about how the consumers and customers are being taken advantage of. ( XXXX ) Wells Fargo bank is and has opened accounts with the consumers authorization and permission forging names on documents with out the consumers and customers permission and has also failed to inform that customers and consumers about all of these hidden fees and signing up the consumers and customers with out the consent and permission customers with out letting those consumers and customers know what is happening as to why when or where on what is happening to those consumers and customers. But still yet Wells Fargo bank wants a consumer to talk to someone else and I would like to say that everyone has a right to financial privacy in which this is not the case in Wells Fargo bank eyes. The reason for me saying this is because every time you call to check your balance of how much you have in your account before a banker comes on the line to speak to a customer or consumer Wells Fargo bank tells you that is a secure line in which is not and you are being recorded and when this happens bankers can here everything that is being said how is it possible for bankers to say these things when everyone should have a right to financial privacy. In which Wells Fargo bank has been discriminated against .. and those loyal bankers has been fired from Wells Fargo bank for telling the truth about the illegal activity that Wells Fargo bank has done to the consumers and customers. But I know that I would not be able to sleep at night knowing that I have taken advantage of those families that are struggling to provide for their families and loved ones.
Consumer complaint received 2020-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (IL)

I have tried to contact Fay Servicing again and my account manager regarding payments by me on XX/XX/XXXX, and Fay applying Escrow Funds on XX/XX/XXXX. That escrow balance appears to be a payment that was put in suspense which all started in XX/XX/XXXX, when they refused to review my homeowners ' policy. Once that was settled, then Fay has informed me that I had a balloon payment due from XXXX! During this fiasco Fay Servicing refused to accept my payments, I was not allowed to make payments online, and being told I was going to lose my house if I did not complete an application, I provided the information from my lawyer and Fay finally corrected their mistake, again. The last complaint I filed Fay sent a financial document that shows without question that those funds were not just sitting in escrow, but were from a payment I made almost a year ago that they put in a suspense account and then moved to escrow. I do not understand how a company can put a payment in suspense and then move to an Escrow account for over a year, all while charging me late payments and telling me I am a month late, they literally did not move one of the suspense payments after a previous complaint was resolved Now that a payment was made by me on XX/XX/XXXX and Fay applied the Escrow funds on XXXX I am still be told I owe a payment for XXXX. If my loan was transferred to Fay on XX/XX/XXXX and due on XX/XX/XXXX, then I made that payment to XXXX XXXX and it was not transferred to Fay, not my fault!
Consumer complaint received 2021-08-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (FL)

Company has violated my rights as a consumer/natural person under FDCPA law. I do not assume this alleged debt and I have made this known to them on multiple occasions. I am not giving them permission to furnish this debt on my consumer credit file. I have been oppressed by this company and humiliated for far too long. I have found this company violating my rights as a consumer. On many occasions I have been harassed by phone, They are falsely representing a debt that has already been paid for when my credit was extended. I request my payment of {$19000.00} be redirected to me.
Consumer complaint received 2021-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SinglePoint GI (OH)

Beginning XXXX, XXXX, General Revenue Corporation began attempting to collect {$3000.00} on behalf of XXXX XXXX claiming that this was owed for the summer term of XXXX. 

I wrote them back explaining that I have never had anything to do with XXXX XXXX never taken a class or even knew of its existence and that this was likely fraud. 

General Revenue Corporation insisted they supposedly " confirmed '' their information was " accurate '' and keep asking for things like canceled checks and school withdrawal information -- from a school I never attended! This is insanely stupid. 

They persisted in requesting this even after I shared my driver 's license and a copy of the police report I filed regarding identity theft..
Consumer complaint received 2024-09-05
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. (MO)

I hope this message reaches you in excellent physical condition. I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made oy the obligor or a credit issued to the obligor on a statement. ( 5 ) A computation error or similar accounting error made by the creditor on a statement. It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late a sign of an invoicing error -- therefore. 1 humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : " paid as agreed '' :
Consumer complaint received 2023-02-06
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: ATG Credit, LLC (GA)

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received a notice from Capitol One that my " XXXX Checking account was overdrawn ''. I have never had any account whatsoever with Capitol One. I tried contacting them on the Saturday morning when I first opened the letter. But they were not open. Then, I called during the week, first thing Monday morning. I waited on hold for a total of XXXX minutes to reach a person who said that they could help with this problem ( it took XXXX people ). In all, I spent one hour trying to resolve this. I was told that they could not solve the problem unless I gave them my social security number or tax ID number -- which I wasn't willing to do. Why would I give sensitive, personal information to a stranger that I do not have any relationship with? Now I have spent more than an hour of my time -- on a work day -- trying to solve a problem that they created. 

Why is Capitol One allowed to have a business model that depends on making citizens vulnerable to fraud? They send countless solicitations to my house that I have to cut up or tear up. Despite my best efforts to avoid it, someone has opened a fraudulent account in my name -- and I can't get Capitol One to fix it. Their profits come at the expense of my work, my effort, and their requirement that I fix the problems that they created. How is this legal? Capitol One should be required to COMPENSATE individuals when their business practices have these consequences. I don't work for Capitol One, and I SHOULD NOT BE FORCED TO DO SO!
Consumer complaint received 2022-06-13
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. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX & XXXX / & Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX has violated my rights . 

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
Consumer complaint received 2019-11-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Ascendium Education Group (VA)

Borrowed $ XXXX in approx XXXX for son. Repayment was for {$50.00} /monthly. But, honestly, we initially were inconsistent in payments, eventually we went into default, paid up more in XXXX to get out, and been paying monthly since, but when I lost my job in XXXX when the school closed, we had to let payments slide again. Now, I make half the amount I did. I work for an eligible, community based XXXX XXXX XXXX in an economically depressed area, XXXX Virginia. But I have been making consistent monthly payments of {$50.00} for years. I would like to be considered for a loan forgiveness program due to the huge loss of income after the loss of my job. 
I believe I've been improperly persuaded to apply for a forbearance, I've been harassed on the phone sometimes 5-6 calls daily, for a few years, they are now threatening to place me in default again and damage my credit rating. The $ XXXX loan has ballooned to almost $ XXXX! Apparently this due to unknown additions for penalties, forbearance, a default, and each time sold to another lending service : XXXX XXXX to XXXX, to?? to XXXX and now to Ascendium. The loan has been growing by leaps and bounds! It is ridiculous! These are totally unfair practices adding up unnecessary additions and yet I receive no credit for paying them for years. I am seeking legal counsel, but am hopeful you can help guide me, assist with locating legal representative, or suggest options. Thank you very much
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Equifax, XXXX  and XXXX  have violated my rights by reporting this incorrect account that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am filing a complaint because Capital One is not adjusting a $XXXX credit that is holding on
my account for XXXX  days. I filed a dispute on XXXX because I did not hear from the merchant
whom I requested a refund. The merchant responded on XXXX with a full refund applied to
my Capital One account. I called Captial One and requested the dispute closed and the account
adjusted since there were now XXXX  credits in the amount of $XXXX for a total credit of
$XXXX still showing on my account - applied by Capital One. I was told it would drop off the
account in a day or XXXX  - not to worry and it was too late to close the dispute. This is not what
Capital One bylaws state. In the Capital One bylaws - Section 11.3.3 Reversal of a Dispute - it
states - If the opposing member as not already moved to the next stage (pre-arbitration) of the
Dispute cycle and neither Member has accepted financial liability, a Member may reverse an
action (a Dispute, a Dispute Response, a pre-Arbitration attempt, or a response to a preArbitration attempt) no later then 3 calandar days after the Processing Date. In Section 11.2.2- It
also states the first day of filing does not count and if the merchant applied the credit the dispute
should be closed.
By refusing to adjust my account, Capital One is holding my ability to pay my monthly bill on time
and in full, XXXX. I pay my account, in full each month.
Since XXXX, I have called Capital One (XXXX) times and each time I was told a different story. They
told me they are waiting for a response from the merchant. They already received a response in
the form a full refund for the transaction in Dispute.
As of today, XXXX XXXX XXXX - my account is still showing a credit for over $XXXX.
Please have Capital One adjust my account immediately and send me written confirmation as to
why they decided this was a good idea when the dispute should have been closed on XXXX
Consumer complaint received 2021-03-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (TX)

on XXXX I was advised that I could apply for a temporary mod ( temp reduction in payments ). That representative was very professional and detailed. She advised me that it would be approximately that following Wed XXXX before it will be reviewed. However, I was advised on XXXX that it has yet to be reviewed and I should call back. I called back I believe on XXXX and was advised that it was approved but was awaiting to be processed. Out of concern to avoid 90 day reporting I called back two days later and was advised that due to the changes, it has been approved however it has not been processed. I called back on XXXX only to be informed that it was denied. I then requested for a supervisor only to be told that their que was busy and someone will call me back. No one called, so I called today XXXX asked for a supervisor and was transferred to Mr.XXXX. He advised me that I was given the wrong information and the process was not fully explained to me. I advised him that was an area of opportunity and I requested that he review the phone calls from starting XXXX until today. He advised me that it will take 72 hours for him to review and get back to me. My account is listed as cease and desist, however I verbally gave Mr. XXXX permission to return my call after reviewing the calls. Because I am also a collector with working experience with some of their employees, I feel my account has not been treated the same as any other consumer.
Consumer complaint received 2021-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLIED MORTGAGE GROUP (SC)

On XX/XX/2021 Allied Mortgage was notified by me by phone that my property taxes on my house were not paid via my escrow account. These taxes were due on XX/XX/2021. After multiple phone calls and repeated attempts these taxes still have not been paid as of XX/XX/2021.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on co

nsumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper
procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2021-02-11
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5100.00}, {$2200.00}, {$3900.00}, {$9600.00}, {$4100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also XXXX C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

3. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 


-- AUTO ACCOUNTS 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$4100.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-07-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (OH)

Okay I've been a coinbase customer for 5+ years but rarely use them because their fees are about three times higher than anyone else. But they sent me an offer to set up recurring buys to receive XXXX bucks in free crypto. So unfortunately I was tempted and accepted the offer. I was supposed to be paid my XXXX dollar bonus after my second successful recurring buy of XXXX  or more dollars. Well that was a month ago and I sent an email to support which btw you can't do in the app without it restarting your ticket when you go to verify your email at the end. So for a company that focuses on new and cutting edge technology it's kind of pathetic that they can't even make their support work properly. So then I sent the email successfully and waited 4 weeks with no response. I have since submitted another ticket with no response as well. To say I was disappointed with this company 's shady unethical and illegal actions would be an utter understatement.