davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of america froze my " regular '' bank accounts. My checking and savings due to the fact that clients of mine used their " EDD bank of america '' cards to make payments to me ( because it's all they have XXXX Bank of America with the urging of Edd is saying they don't like the deposit type and saying that when the transfer comes in it has my clients name on it ( saying payable to them ) but that is untrue. It's payable FROM them to me that's why their name is on it. How else am I supposed to know who payment came from? They have lumped me into the legitimate fraud cases and it's not true. They've given me no recourse to prove these are legitimate. They plan on closing my account and keeping all my money and it's very obvious looking and reviewing my account that this is not fraud. Please help me. It's all I have. Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Finance Company, Inc. (CO)

I was incarcerated from XXXX of XXXX til XXXX of XXXX a slew of medical debt was accrued on my credit report during that time. All have been removed except for Professional Finance CO from diversified radiology of color? for {$110.00} and {$350.00}. I have not been to or seen a dr since XXXX. Ive disputed it so many times now they wont let me dispute it no more. Since Ive been out working and paying my taxes whomever stole my identity is apparently still out working falsely under my name and going to hospitals under my name and etc. Its so frustrating. I cant get ahead with my credit when this keeps happening to me. Im now also having issues with XXXX XXXX XXXX for XXXX XXXX XXXX XXXXXXXX?? Wherever that is?? For : {$890.00}, {$840.00}, and another {$840.00}. Im at my wits end. I dont know what else to do? Plus on top of all that I somehow have over 30 or 40 inquiries on my account. Super duper bogus!! from XXXX XXXX til XXXX or XXXX Now apparently Im being punished and for my penance I unfortunately have to write each place and describe identity theft nd hope they comply and remove the false statements made against me. That also is completely unfair. How am I supposed to respect or legal system when it just keeps throwing me under a bus. I work hard and I work alot. KI do my best to pay my bills and keep a roof over my head, but i cant even have the ability to get a car loan or let alone a home loan. Seriously I mean over the top seriously frustrating and messed up. I dont know what else to do? Get a lawyer maybe and sue all the misplaced accusations against me? thatd cost me fortune. So now I am pleading to you for understanding, mercy and help. Can u help me? Will uhelp me?

sincerely, One desperate American, XXXX XXXX
Consumer complaint received 2021-02-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION (TN)

Lexus XXXX has reported to the three Credit Reporting agencies that we have failed to pay them, the claim by Lexus XXXX is fraudulent and is in an error. 

The car in question was involved in a accident. 

The XXXX XXXX insurance company declared it as a total loss. 

The XXXX XXXX Insurance company confirmed the situation with Lexus XXXX and requested the payoff amount as of the date of accident XX/XX/XXXX. 

The Lexus XXXX provided the payoff amount of {$25000.00} that included monthly payment of XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX Insurance issued a check no. XXXX XXXX XXXX on XX/XX/XXXX and the check was cashed by Lexus XXXX on XX/XX/XXXX ( attached is a copy of the cashed check ).
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I got my Toyota XXXX XXXX last XXXX, maybe around XXXX, at XXXX TOYOTA in XXXX, CA and I have submitted a loan request to Toyota. The manager said I was not approved, so he told me I can apply at XXXX XXXX, so I did. After some time, I got both statements from Toyota and XXXX XXXX. I went back to them to asked which one I should pay because of course, I only got 1 car so why should I pay 2 payments? They told me to keep the XXXX XXXX and that they are going to close it. I don't know why but I was still getting some statements that says I owe them {$110.00} for the interest but of course I am not going to pay that amount because it's not my fault that they made a mistake. Why would I pay that? I ignored it for how many months in XXXX because I trusted that they are going to close it anyways. 
Fast forward, I got tired for getting those statements so I told them to close the account but what happened instead, was that my credit report has changed. Suddenly, my {$110.00} balance became more that {$18000.00} and I had delinquent account, and that I owe them {$3000.00} or so. My XXXX credit card was closed due to this fraudulent report that appeared on my credit report. I was angry and so I sent them a letter that if they won't change it, I'm going to sue them in court. They said they were going to change it. I went ahead and also contacted experian to correct this mistake. 
Fast forward to today, XXXX XXXX, I found out that the report says that it was ACCURATE, and Toyota confirmed that those were not mistake even though they knew it was fraudulent. So that's why I am reporting them now. I even bought a package for oil change back then which I didn't use in fear that they might sabotage my car and I might get into an accident since I no longer trusted them because of what they did to me. Please help me correct this mistake that they did to my credit report. I hope you investigate this business. THEY ARE FRAUD AND SCAMMER. THAT'S ALL I CAN SAY. THEY DON'T HAVE ANY SHAME.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (CA)

My vehicle was damaged when I placed it on third party app called XXXX. XXXX XXXX  renter nearly totaled the vehicle and abandoned it 77 miles away from my home. XXXX was completely useless for the first 2 months and did not assist me or even start a claim with their insurance until my car was repossessed, due to impound fees. XXXX tried to fraudulently claim that my vehicle was stolen while rented by their driver, but the driver was actually involved in 2 accidents that day, not just the one resulting in $ XXXX in damages and the abandonment of my property. My good credit was ruined because Wells Fargo reported it as a repossession, eventhough there were no late payments on the account. I had even contacted Wells Fargo a month prior to the repossession and was told that as long as I continued to make my payments on time, that they would not get involved. This was a complete lie because now my credit has been ruined with this negative account reporting to public records. I feel very taken advantage of in this situation. XXXX intentionally waited to open claim with their insurance because they always intended to claim the car as theft. Wells Fargo was made aware of the situation and lied by stating that they weren't going to repossess it because they had no right to so long as the payments were made.
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (CA)

Purchased items, then before leaving the store returned them. Credits not posted back into my account. Merchant denied any wrongdoing. Filed dispute, completed all required steps. Issuer did not investigate properly. After I sent in the 2nd request for information, 15 mins later claim was denied. Issuer refused to contact me as I requested many times. Issuer did not send me supporting documents. Issuer would not reply to emails. Issuers phone does not connect to representatives, only recordings and then hangs up.
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

This is regarding a Citibank credit card. I routinely schedule my payment for the day before the due date and have been doing so for years. I schedule the payment as soon as I receive the bill, weeks before it is due. Citibank suddenly charged me a {$29.00} late fee, despite their online system showing a credit ( for the scheduled payment ) the day prior to the due date. When I called to complain, I was told that the payment wasn't credited until two days after the scheduled date, despite the fact that Citicard showed a the credit on the day prior to the due date. This seems like a fraudulent way to charge fees to customers.
Consumer complaint received 2021-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I have been trying too close a savings account with Citi bank but have not been able too get them too. I have screen shots of them saying they have done this request but it was never completed. In XXXX I had a notice that a deposit was made in my account that I did not make! I called them and advised that I didnt do this or authorize anything. They advised me they sent the deposit back and froze my account with all of my funds in it stating they would send a check. I never received a letter stating this had happened or any correspondence. I am on social security XXXX my checks are put into my Citi account. I requested my account too be updated too a new account however the funds have been put into my frozen account at Citi. This is all the income I have and I have tried several times too get through too Citi I get hung up on and placed on hold then hung up on or told they will call back! I have no access online yet get statements I can access due to frozen status. How long can they hold deposits from the government for? How do I get them to release the funds and close that account? I have tried everything except for going to a physical location with would be several hours from my home. I no longer can live like this what harm this has caused, after looking this bank up online its just theft! The amount of complaints just about the same as mine is criminal and this must be taken seriously. Thank you for your response ahead of time
Consumer complaint received 2021-03-02
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: SYNCHRONY FINANCIAL (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX Inquiry : XXXX XXXX, XXXX, XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2021-03-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (IL)

I and my wife opened a U.S. bank joint checking account on XX/XX/2020. We opened it on the U.S. bank branch located at XXXX XXXX XXXX, XXXX XXXX, IL, XXXX. 

When we opened this account, we printed out a summer promotional advertisement with us. The promotion offered a {$200.00} dollar opening bonus for the new customer. At the branch, we double-checked with the staff who helped us open the account, as my wife previously opened a U.S. bank account then closed it. The staff assured us that we were still qualified to get the bonus, since I was a new customer and never did business with U.S. bank ( she said as long as one of us was a new customer, we can get the bonus ). She also showed us the monitor screen when she typed in the promotional code during the application process. This was a smooth process. 

After that, we immediately set up direct deposit with three payments ( ~ {$4000.00} ) monthly to this account, we also used it to pay our mortgage and other credit card expense. So I'm 100 % confident that I met all the requirements to receive the bonus. 

Earlier this year, I realized we still haven't received the bonus, so I tried to contact U.S. bank to figure out what happened. First I tried to contact the local branch where we opened this account. First time, no one answered my call. Then I tried to make a phone call appointment ( at Janurary XXXX ). Although the appointment got confirmed, I never received a call from them. Third time, I contacted the customer service ( on Janurary XXXX ) and waited 20 mintues, the customer service looked into my account and told me our account did not have the promotional information. This directly contradicted both me and my wife 's memory, as we both visually observed the staff typed in the promotional code when she opened the account for us. The customer service told us she will ask a specialist to look into our case, and we will be contacted within a week. Now more than a month passed, no one actually contacted us, kind of as I expected. We are very disappointed about U.S. bank.
Consumer complaint received 2021-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

In XXXX XXXX I talked to 2 PennyMac Customer Service agents and they both said they could not change the mailing address to what I need. 

When I informed the second agent that I was unable to set up an online account without submitting my cell number and consenting to be spammed, she asked if I could submit an email address instead. I said that was not possible. 

I have hit a dead end with the company.
Consumer complaint received 2021-03-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO. (NJ)

Two years ago, I lost my son and my daughter was in XXXX for 6 months. Thereafter, she was transferred to XXXX. I was in a financial dilemma due to ( XXXX issues, and a death in my family last year ). As a result, a repossession occurred ; 2 and 4 respectively of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I paid those payments 30 days late on those occasions over a nine-month period, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company, but now those late marks and repossession/redeemed on my credit reports are causing me tremendous stress. I am trying to move up to a better-paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion, and uplift in my family and I would be extremely appreciative if you would please complete a XXXX - XXXX XXXX XXXX and fax it to the credit bureaus to remove those entries.
Consumer complaint received 2021-03-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (WA)

Hello. I attempted to call IQ Data on XX/XX/2021 in regards to a debt I owed and advised to them I could not pay this full but wanted to make a payments and would pay them in lump sump payment, the representative informed me this was unacceptable, told me to borrow a loan and advised to them did not feel comfortable doing that since I was already in debt. Stated for me to sale items, even suggested to me would be in breach of contract and could cause serious legal action, damage my credit, including wage garnishment etc. I called back and asked for VP IQ Data and was transferred too someone named XXXX was incredibly rude as well and hung up in my face. This was a very bad experience for me. I want to take care of my debt but refuse to work with me while being rude, and threatening. When I would call back to get a reply they would continue to transfer me all around. Last contact advised will document call and hang up in my face.
Consumer complaint received 2021-03-02
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: Aldous & Associates, PLLC (UT)

XXXX ACCOUNT- {$91.00} dollars has been sent to collection for a time period I was never a member. This is fraudulent and needs to be removed ASAP. XXXX previously agreed to remove this amount and never took care of it.
Consumer complaint received 2021-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ROBINHOOD MARKETS INC. (NY)

Robinhood Financial manages a XXXX XXXX debit card issued by XXXX XXXX I notified XXXX at XXXX XXXX on XX/XX/21 of unauthorized transactions on the card account. They do not have phone support and only accept correspondence by email/in-app assistance and written mail. 

After sending an email through their app, Robinhood should have completed investigation by the XXXX ( making allowance for the bank holiday on the XXXX ). They failed to issue the credit by the XXXX business day, and placed a complete block on my account and card, while requesting a copy of my passport on XX/XX/XXXX to aid in their investigation. 

Robinhood then denied my dispute on the XXXX once I uploaded the passport document. Their error resolution notice did not include my right to receive documents used in their investigation. I notified the company its error resolution notice was deficient, and they sent a new notice offering documents used. 

I sent a letter and requested documents used. The company refused to provide this, with a member of its escalations team writing that " [ my ] case was escalated for an additional level of review ... '' and most importantly that " due to regulatory concerns, and for the security and protection Robinhood accounts, we're unable to share any information with you about the outcome or process of our investigation. '' It is ironic that they are required by law and regulation to have credited me and agreed to provide these details, and are using some fictitious regulatory barrier to disregard my Regulation E rights. I will forward a copy to FDIC for complaint adjudication as well.
Consumer complaint received 2021-03-04
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. (OK)

Trans union and XXXX credit reporting will not remove accounts over 7yrs old. The account was included in my bankruptcy and the account is well over 7 yrs old. I have disputed with both credit companies but they say the information is accurate. This is not true cause anything over 7yrs old is supposed to drop off your credit.
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (MI)

After 17 years of having a Netspend account, they changed their flat rate for over the counter withdrawals from {$2.00} to % 1. However, it states on their website that the over the counter withdrawal fee is {$2.00}. On XX/XX/2021 I did an OTC withdrawal, and they charged me {$8.00} fee. I called to dispute the fee same day, and was told that they didnt change their fees that it is still {$2.00}. Yet, when I called back on XX/XX/2021 the Netspend rep stated that they changed their fee to % 1 on the dollar. They never updated this change on their website, nor notified their account holders. The rep reimbursed me {$5.00} and just said sorry, and hung up on me.
Consumer complaint received 2021-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

In late XXXX to mid XXXX I held a checking, savings and line of credit with Wells Fargo Bank NA. Throughout my account history there was holds placed on my accounts and/or funds deposited into those accounts as suspected fraud. 

At the time I was informed by Wells Fargo Bank that there was suspicious online activity in my checking account and they would freeze the checking account and re-issue the debit card associated to it on several times. 

I also owned during this period a Wells Fargo Advisors Account. 

In mid XXXX I was notified by Wells Fargo Bank NA and Wells Fargo Advisors that they no longer wanted to do business with me and closed my accounts and forced me to sell my securities with no other explanation given. 

In a letter dated XX/XX/XXXX Wells Fargo wrote stating that they had conducted a review of the holds placed on my consumer deposit accounts due to suspected fraud and that their research indicated that the holds may have been unnecessary. 

They included with their letter a refund of certain deposit account fees charged during the hold and additional compensation for their delay in making their payment to me. 

I filed a complaint with the FDIC after I received the XX/XX/XXXX Wells Fargo letter and on XX/XX/XXXX received a email response from the FDIC that my correspondence falls under the direct supervision of the Consumer Financial Protection Bureau and they have forwarded to you my complaint. 

To date I have not been contacted regarding this matter and as such am filing this complaint.
Consumer complaint received 2022-07-12
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. (TN)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, and account # 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 12 CFR Part 1006 Fair Debt Collection 1006.2 Definitions ( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed.

The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another.