davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (OR)

REMITLY - Transfer # XXXX XXXX XXXX XXXX XX/XX/XXXX I attempted to send a small amount of money ( {$120.00} ) to my XXXX XXXX XXXX mother-in-law in the XXXX who needed it immediately for medication. She requested that I use the Remitly site to do so. I always use XXXX XXXX. I registered on the Remitly site, signed in and used my XXXX XXXX XXXX in an attempt to send the money. For some unknown reason my transfer was canceled and the money was not sent. I received an email message that my bank would NOT be charged, but upon checking with XXXX Bank, the charge was there. It has now been cancelled. I called the number that I was provided in the Remitly email and was advised that I had been cancelled and would not be allowed to send money through the site at any time in the future. I requested an explanation but for " Security '' reasons my request was denied. I asked to speak to a supervisor, and after waiting several minutes, a supervisor answered and also refused to tell me why my transfer was cancelled and again advised me that I would NEVER be allowed to use this site. I have used XXXX XXXX dozens of times to send money to the XXXX over the years, and have NEVER had a problem. My credit history is impeccable, with a greater than XXXX FICO score. I am insulted and angry at the treatment I received from Remitly, and will be doing everything in my power to have this useless money transfer site removed from doing business in the United States. Social media is a powerful tool, and I have many contacts. Thank God for a reputable site like XXXX XXXX, or my mother-in-law may have gone without the medication that she desperately needed. I also explained this to the supposed supervisor! Although there was a several hour delay in her receiving the medication, she now has it, thanks to XXXX XXXX. Not that Remitly cares at all. If she had died, I guarantee you Remitly would have cared! I also checked " CompareRemit '' https : //www.XXXX.com/XXXX/XXXX_XXXX/XXXX/XXXX// This site has hundreds of " One Star '' comments, but the Remitly site claims a rating in the " Five Star '' region! Another minor irritation was the fact that they claimed a " Free '' transfer for first time users, but when the transfer was ready to be sent, {$3.00} of the {$7.00} fee was waived buy a {$3.00} fee remained. I believe this is called FRAUD!
Consumer complaint received 2017-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX, 2017 I opened the afore referenced account at the Wells Fargo & Company XXXX XXXX XXXX XXXX Branch in XXXX XXXX, California. I was issued an ATM card. Documents were then sent in the mail to activate the ATM Card and provide contact information for use by Wells Fargo & Company. I am enclosing with this letter copies of two screens for my account which I had to complete for the ATM card to be activated. One screen makes reference to Consumer Platinum Debit CardXXXX. That is not the ATM card that was issued to me. The Contact Information screen contained phone number ( XXXX ) XXXX-XXXX. That is not my phone number and I do not know whose it is. I dialed the number and it was answered by a woman who seemed to speak only XXXX. Something is definitely wrong with my Wells Fargo & Company account. Has my personal information been compromised? I am sufficiently alarmed by this situation to ask that you investigate what happened to this bank account once it was opened at your XXXX XXXX XXXX branch in XXXX XXXX. I believe this matter is serious enough that I will be reporting it to the Federal Reserve Bank of XXXX XXXX, the Office of the Comptroller of the Currency and the Consumer Financial Protection Bureau.
Consumer complaint received 2017-08-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Colony Brands, Inc. (NC)

Upon checking my credit report on XX/XX/2017, I noticed XXXX XXXX had placed a Charge-off on all three reports XXXX XXXX, XXXX, and XXXX. I disputed these findings with the company and all three CRA 's on XX/XX/2017. I received a letter from all three CRA 's stating that the account had been validated, but got nothing in writing showing the validity of this account. The amount written off was supposedly {$95.00} but it shows as paid less than full amount of {$47.00}. I have received documentation from XXXX XXXX that this account was paid in full with a {$0.00} balance. I was never notified about this account being reported as a Charge-off. I would like this account removed from all three reports, or send validation of this account. XXXX XXXX never sent me anything in writing about the validation of this account except the letter showing paid in full {$0.00} balance. I have disputed this account 3 times with no results or explanation.
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: U.S. BANCORP (PA)

On XX/XX/XXXX, I received a letter from U.S. Bancorp dated XX/XX/XXXX stating that they were unable to open a checking account for the Plaintiff. The application id was XXXX. As per the letter, the adverse action happened on or around XX/XX/XXXX. However, I never applied to open a new bank account with the bank. I sent an 609e requests which was delivered to them via certified mail on XX/XX/XXXX, XXXXI received a call from XXXX ( Phone number XXXX XXXX XXXX ) confirming that the letter was received. As of now, U.S. Bancorp to provide documents required under 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ) has passed.
Consumer complaint received 2019-11-04
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: SYNCHRONY FINANCIAL (VA)

I recently checked my credit score/report and noticed an open account from synchrony/ pay pal ( sync/ppc ) with a total amount of XXXX dollars. This is not my account. I called the company and filed for fraud/resolution.
Consumer complaint received 2019-05-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Nicholas Financial Inc. (AZ)

Ever since we fell behind on auto payments after my husband lost his job Nicholas financial has been calling us every day and it is always someone different we are behind one payment and our car is inoperable. I even explained to Nicholas financial what is going on and an email and we still get calls every day non-stop since XX/XX/2019 to present. XXXX XXXX and XXXX XXXX. Nicholas financial is in XXXX, Florida.
Consumer complaint received 2017-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello, I 've been a customer of capital one for over a year. Not once before have I ever file a claim with my bank, and the one time I did, they denied my claim. I 've spoke to several claim representatives as well as customer service and nobody could solve issue. The customer service I received was horrible.. they treated me in such manor that I can say I was discriminated. The last repreentative I spoke to did not treat me like a customer she treated me like a number. I asked for the call to be escalated to someone higher and she could not connect me, she advised me someone would probably call me call me back, to this day I have not received a call back. my card was used by someone else that was not me. transactions were charged against my account at a location that I dont frequent. I ask they look at cameras or compare a signatures. this is such an injustice I live on a fixed income. I found my card and continued to use it to make purchases that I 've authorized. I ask the claim be reasserted and I receive credit for the fraudulent trasaction or I will be escalating this matter further. thanks!
Consumer complaint received 2017-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NC)

This is NOT a duplicate complaint. This complaint relates to Citibank 's actions within the past seven days. I do not owe Citibank any money. Citibank has repeatedly harassed me over the past eight years, resulting in my filing of multiple federal lawsuits, and arbitration cases through XXXX and XXXX. Last year, Citibank 's attorney, XXXX XXXX, assured me that Citibank would stop contacting me. Yet, the contact continues. Despite my repeated requests, Citibank continues to access my personal credit report and send me credit card offers they know are not " firm offer ( s ) of credit '' as that term is defined by the Fair Credit Reporting Act. On XXXX XXXX, 2017, I filed a CFPB complaint concerning Citibank 's repeated access of my credit report, and their sending of credit card offers to me. Citibank responded to the complaint by mailing me another credit card offer which I received in the mail today.
Consumer complaint received 2017-08-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America ( BOA ) has incorrect information on my credit report and it is affecting everything. I have tried for 1 year 6 months to correct this problem. I have spoke with at least 15 Bank of America employees and they each tell me they 're going to help but to date nothing. The local branch in XXXX, MA stated to me I was correct and never had a line of credit with them. They have no paperwork. My father, whose name is same, except he is XXXX did have a line of credit. They ( BOA ) stated they would have it come off my credit report. It has been 1 1/2 years later and still no help. I recently tried to get a loan and because of this incorrect and wrong credit reporting by BANK OF AMERICA, I can not get a loan. This is RUINING my credit. They state I had a line of credit with them and I never had a line of credit with them. My father ( who has same name ) did have one with them. I had a loan from Bank of America for my camper and it was paid on time and in full to Bank of America. I have written letters, I have done everything ( BOA ) has asked me to do still no results. It started back in XX/XX/2016 I went to get a personal loan and it came up I had a line of credit with them and defaulted by bankruptcy. Neither of which happened with my me and my credit. This problem on my credit report is ruining my life and they have promised to help and all I get is a big run around are not helping me at all. The local branch said they would help and give them 30-60 days to have it removed, but here we are over a year later and it is still on my report. I am at the point where I will have to hire someone to help me and it will cost me more money to straighten this mess out. BOA has been no help and as of today 's date, it is still on my credit report. Any help is greatly appreciated.
Consumer complaint received 2017-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

They basically told me that the hard inquiries need to be removed from creditors that they authorized them i explained that i never requested the hard inquiries or credit pulls from those dates mentioned but they stated that they will eventually after a year or so will be removed on there own and i wish to have all the hard inquiries from the time period of XXXX XXXX 2017 until XXXX XXXX 2017 removed ASAP from Transunion, XXXX, and XXXX Thanks
Consumer complaint received 2017-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (DE)

XXXX XXXX at XXXX XXXX XXXX XXXX XXXX DE XXXX was my Consumer Residential Trash Service from XX/XX/XXXX through XX/XX/XXXX. I had called and cancelled my service on XX/XX/XXXX which was before the next billing cycle starting XXXX. This was to switch companies for a more favorable price through my Neighborhood Association recommendation. For reference, XXXX XXXX bills in advance for service. So, the next bill due in XXXX would have been for XXXX, XXXX, XXXX, and XXXX Services. At the time of my call to cancel, XXXX XXXX confirmed my request, confirmed that my balance was {$0.00}, and within a few business days, they had picked up their trash cans. A month later, on our around XXXX, I received a past due notice for amount owned of {$130.00}. At this time, I called XXXX XXXX, and again, they confirmed my cancellation effective on XXXX. Then again, on XXXX, I received another notice from republic services indicating my account was past due for the amount of {$130.00}. I again made a phone call to XXXX XXXX with concerns that I was receiving a past due notice for service that was cut off on XXXX. They assured me that the billing cycle would resolve itself and I would stop receiving notices by XXXX. On or around XXXX XXXX, I received a notice dated XX/XX/XXXX from RMS ( Receivable Management Services Corporation XXXX XXXX XXXX XXXX, OH XXXX ) indicating that XXXX XXXX had submitted the amount due of {$130.00} to collections for recovery. I immediately called RMS and disputed verbally the amount. They indicated that they have submitted the dispute request and as of XXXX, I am still awaiting the result of that dispute. Meanwhile, I received a notice in the mail on XXXX from XXXX XXXX with a Final Notice dated XXXX indicating I had 10 days to respond before they refer my account to a Collection Agency. Two Issues here. # 1 ) they sent me the notice post the 10 day turnaround so even if the debt was legitimate, there was no way I had time to respond prior to the supposed turn over to collections. # 2 ) As explained above, I had already received a notice dated XXXX XXXX from the Collection agency RMS as explained above so XXXX had already sent the account to collections so misrepresented the 10 day timeframe starting on XXXX. Lastly, I called a final time today to XXXX XXXX on XXXX to again dispute this charge. They again agreed the account was cancelled and I should have not been charged. They indicated would submit an inquiry to billing and " take care of it ''. I had received this indication before so I asked if they would call me to confirm and the response was " no ''. I feel as a Consumer, I have made multiple attempts to resolve this situation and either XXXX or RMS agency has resolved or even responded to my disputes. Now Im just waiting for it to hit my perfect Credit File so I can dispute through the Credit Reporting Agencies.
Consumer complaint received 2017-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (PA)

XXXX shows a debt owed by me to Ability Recovery Service associated with an original bill due XXXX XXXX XXXX. I have not done any business with XXXX XXXX XXXX and the debt is not mine. XXXX  investigated and claims their investigation indicates it belongs to me. It is with 100 % certainty that the debt does not belong to me.
Consumer complaint received 2017-08-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

XXXX XXXX 2017 I 've paid them so far {$200.00} they said they are collecting for XXXX XXXX and they attach a XXXX. 
This person I 've been speaking to XXXX XXXX Account Manager XXXX XXXX XXXX XXXX & XXXX XXXX ext XXXX XXXX direct line XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA. XXXX
Consumer complaint received 2019-12-11
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. (TX)

I provided Statements from the Credit Card company showing the date of my first delinquency ( in XX/XX/XXXX and another in XX/XX/XXXX ). I also provided a letter from the Credit Card Company demanding payment and the current past due status of my account. This clearly showed my delinquency occurred in XX/XX/XXXX, and this is when the clock should start ticking regarding the 7 years this negative information should be published on my credit report. Based on the information in the supporting documents from the Credit Card Company it is clear this negative account has been posted to my credit report exceeding 7 years. Twice now, I have requested all references to this account be removed from my report and both times I have received a response that stated the Credit Card Companies data is correct, and by stating this I can only assume the information I have received from the Credit Card Company back in XX/XX/XXXX and XX/XX/XXXX is not correct or the Credit Card Company is currently changing the information to allow them to continue posting this negative account information on my report.
Consumer complaint received 2017-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried 4 times to request the information be removed from the 3 major bureau 's about accounts that are being reported by the agencies and they keep telling me that the information i being reported correctly on my reports. I have submitted the Fair Credit Report Act about how they must remove the information because they do n't have the required information to place it on my credit file. Each bureau XXXX, Transunion, XXXX all have said that they are verifying this information electronically. Section 609 of the FCRA none of these results meet the requirements of this information to remain on my credit file.The dates below are the four times that I have requested the removal of this information. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (UT)

A supposed creditor that is outside of America, and with no operations in America is reporting a supposed debt on my Experian credit report. Not only is this " creditor '' outside of American jurisdiction, i believe they no longer exist. I have tried to contact this " Bank '' that is located in the country, XXXX, but i am not able to get a hold of anyone. I believe this negative mark in my credit report is an error and have tried multiple times to work with Experain to no avail. " creditor '' info : Account number in Expreain is : XXXX. Original Creditor : XXXX XXXX
Consumer complaint received 2017-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion continues to report a XXXX XXXX account # XXXX as derogatory. This account has been either closed 10 years ago and/or is part of a discharged bankruptcy ( 2015 ). 

***Negative reporting on a discharged debt is a violation of the permanent injunction of my bankruptcy discharge. *** Transunion is violating the bankruptcy code. I am considering the possibility of re-opening my bankruptcy case for contempt action against Transunion. 

I am requesting that Transunion CEASE and DESIST their negative reporting of this XXXX XXXX account.
Consumer complaint received 2017-09-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION (MD)

I have been trying to close my account with M & T Bank for several months. The company keeps taking monthly fees and makes it impossible to close the account. At first I asked for the fees to be refunded or I would be closing the account. I tried to bring new funds into the account to prevent the fees, but the system to valdiate the debit card to arrange external transfers was not working. I eventually was able to validate my debit card after about 2 months. I told them cancel the account via online banking, then via phone. The company tells me I need to go in branch - This is impossible as I am currently located in texas due to working disaster recovery for hurricane harvey. I was then told the only option is to send in an account closure request via mail. This is an absolutely ludicrous company. The online banking interface is sub par, and they seem to not be up to 21st century standards.
Consumer complaint received 2017-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nevada Credico, Inc. (NV)

XXXX XXXX I was removed from lease which relinquished my responsibility to the property. XXXX XXXX XXXX issued a debt collection- without notification of debt- in my name as well as the other party. I spoke with the management for the apartments and I was told that I should have not received a collection and that they would notify the collection agency. This was in XXXX. I have disputed the collection 3 times and it has been denied saying all information in correct. The collection agency is Quantum collections.
Consumer complaint received 2017-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There was a computer glitch that was Transunion 's problem and not mine, that caused 5 out of 7 of my inquiries to be deleted. Transunion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted Transunion in good faith to ask them to delete the inquiries that they illegally re-added. On XXXX XXXX, XXXX at XXXX eastern time, I spoke with a supervisor by the name of XXXX who I explained the situation to and even though he was understanding and apologetic, he told me that even though there was a glitch he would not be able to remove them. These inquiries add a hardship and my rights were violated by Transunion. I would like CFPB help in making Transunion stop victimizing me. As a resolution, I would like all of my Transunion inquiries except be deleted permanently from my report as a violation took place when they were illegally re-added. Of those 7 inquiries, the only two that shall remain is XXXX from XX/XX/XXXX and XXXX XXXX XX/XX/XXXX