davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Subject : ATM Withdrawal Dispute - Immediate Action Requested I am filing a formal complaint against Wells Fargo regarding an ATM transaction dispute. On XX/XX/XXXX ( Saturday ), I attempted to withdraw {$400.00} from a Wells Fargo ATM but did not receive the cash nor receipt at all. I panic and I immediately went inside the branch to report the issue. The staff, XXXX, insinuated that this situation occasionally occurs and that the funds would be automatically be credited back to my account and that I can just withdraw inside the bank, which I did for {$600.00}. She was so calm that I thought it was not a big deal at all. However, on XX/XX/XXXX, ( Monday ) it showed on my transaction, that the cash of {$400.00} from outside was deducted together with {$600.00} I withdrew inside the ATM machine. I again went inside the bank and same lady told me that they dont deal with it, just call the XXXXXXXX XXXX  So I called and again the customer svc assured me that it will be ok. I told her there should be a camera to prove that there was no money dispense in that ATM machine at that time. She said there would be a research which I also demanded. 

However, I got a letter from Wells Fargo dated XX/XX/XXXX, saying that they did research and saw no error with the machine. It says that they will debit {$400.00} to my bank. 
I am so frustrated since Ive been banking with them for many years now. My trust account and my direct deposit from work are with Wells Fargo. I am not rich but XXXX not poor either. I would not ruin my reputation with just {$400.00}. XXXX so anxious and its so frustrating. What kind of investigation did they do? 

Wells Fargo has now debited the {$400.00} from my account again. Furthermore, they have stated that I must wait an additional 30 days for the ATM footage to be reviewed before I can potentially receive the funds. This delay is causing unnecessary financial strain and stress, as I did not receive the cash in the first place. 

As a long-time customer, I feel that this delay and lack of resolution is unacceptable and damages my trust in the institution. I request immediate reimbursement of the {$400.00} and a more timely resolution process for this kind of issue moving forward. 

Thank you! 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : IDTheftReport_XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX  Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX  Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX  Employers : XXXX XXXX Employers : XXXX XXXX XXXX  Employers : XXXX XXXX Employers : XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (MA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Account : XXXX XXXX XXXX XXXX Personal Info : Employers : XXXX XXXX XXXXXXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2019 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (NY)

there was a delinquency on a mortgage with PennyMac. We made an agreement, utilizing COVD Relief Program. I went to purchase a new vehicle and was denied due to an inaccurate past due of XXXX on my credit report.
Consumer complaint received 2022-02-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

My husband made our mortgage payment through his credit union on XX/XX/2021. This payment was successfully made and we received a statement from freedom mortgage on XX/XX/XXXX showing that it was applied to the account and all that was owed was for XXXX. Three days later we received a letter on our door saying that the payment was reversed and the account was 30 days past due for the month of XXXX. 

Upon receiving this notice we contacted our credit union as well as freedom mortgage to confirm that the payment was in fact made. We provided statements from not only the credit union but the federal reserve showing that freedom mortgage did in fact receive the funds of {$1800.00}. 

In an ongoing battle for the past four months, weve provided multiple account statements from XXXX to XXXX showing the funds were never reversed. 

Weve spoken to countless representatives whove claimed the research showed a reversed payment and have refused to review the documents provided from the credit union nor the federal reserve. 

In turn, freedom mortgage has refused to research internally where our mortgage funds have been applied to. Weve had to double pay our mortgage payments, took a false late payment hit to our credit and continue to receive no help regarding this issue.
Consumer complaint received 2020-06-05
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Consumer complaint received 2022-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Yamaha Motor Finance Corporation USA (FL)

I, the consumer and original creditor in fact, are aware of your fraudulent and discriminatory practices while operating as a creditor 15 USC 1602 ( g ). I, the applicant, initiated a Consumer Credit Transaction using my Credit Card 15 USC 1601 ( 1 ) and furthermore, not only did a transaction occur warranting unauthorized use as per 15 USC 1602 ( p ), but the consumer which is myself never benefited. 
XXXX XXXX XXXX XXXX you are reporting my account as Charged Off to all the Credit Reporting Agencies. 
I am deeply disturbed by this company 's actions. 
I just want to be clear, as a consumer, I am federally protected under the Fair Debt Collection Practices Act Title 15 Chapter 41. and it's saddening to know you takes pride in violating basic consumer rights. As a result of your actions, a tremendous amount of suffering has occurred ranging from my XXXX XXXX XXXX XXXX XXXX causing confusion, anxiety and sleepless nights with lots of XXXX and XXXX dysfunction. Plus no one should ever have to experience what I have when it comes to anything that belongs to them and rightfully. This is extortion in fact as per 18 USC 894 ( 1 ) and regrettably so. I am demanding a validation of debt and a copy of my 1099c from the IRS.
Consumer complaint received 2022-02-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SYNCHRONY FINANCIAL (FL)

I had contact the office by phone more than one time and the person that unswerving its very very rude, unfriendly aggressive and intimidating that I will be sue by them one more time? 

We are all having a difficult time with This COVID-19 pandemic. To get job or just to keep it. 

I kindly asked for help with this office because they only wanted to scare and intimidated people in order to get the money. 

Its my first time that I see a company with so many complaints and bad reviews, Why they continue open? 

At the moment I had a debit of {$900.00} but after my last called I believe that they want more FREE SCARRING MONEY
Consumer complaint received 2024-10-09
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I sent this company a voicemail from the original source The Townhomes they confirmed I was not responsible for this debt & this Genesis company keep reporting it and they keep increasing the debt every month making my credit score continuously going down. I have been battling this company for over 6 months regards to them removing this information from my name & credit. I am extremely disappointed frustrated & exhausted I can not purchase a home due to this derogatory remark on my credit. How can a company do this? They are very aware this is not suppose to be on my credit, please help me by removing this item from my credit report. Thank you this attached voicemail is from the Townhomes manager,
Consumer complaint received 2022-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (CA)

Please note in the response from the bank the have my account mixed up with a different person with the same name. I did not have an account with this bank in 2016. And I have never had a problem with payments this is very scary that they have mixed up my account history with someone else with the same name. This is the first time I have had an account with this bank and I have never had the problem reported in both of the accounts from the bank. 

The wrong person 's account information has been attached to my complaint the report numbers are : # XXXX 2016 # XXXX 2016
Consumer complaint received 2022-02-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. 
The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.
Consumer complaint received 2022-02-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: GAMACHE & MYERS, PC (MO)

I had a collection account with XXXX XXXX XXXX they sold it to Gamachie & Myers P.C. but then took the debt back. So I Paid off the amount with XXXX XXXX XXXX the current owner, they will send a letter within 30 Days stating that Account number ending in XXXX was paid in full on XXXX So today I am served with papers telling me we are going to court the people who filed the Law Suit is Gamachie & Myers P.C. In the letter they say the current owner is XXXX XXXX XXXX so they are trying to collect on a debt that is paid with XXXX XXXX XXXX. ending in XXXX I have a payment schedule from XXXX XXXX XXXX., on a second account I spoke with the today and they confirmed they own the account and seen where I am Making Payments. 

So I contacted Gamachie & Myers P. C. and explained I paid the full amount to XXXX XXXX  and I have a payment schedule with them on the second collection. She told me she dont care XXXX it up we are going to court. 

To me this is Illegal to collect the same debt twice especially when they dont own the debt. Either way the debt is being paid to XXXX XXXX XXXX who owns both accounts
Consumer complaint received 2023-05-05
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. (MS)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-02-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

On XXXX/XXXX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 60 days since I sent my letter and I have yet to receive a response. I'm not sure if my disputes are being ignored and I am being taken advantage of. It is stated in section 611 ( a ), that a failure to investigate these items within 30 days gives a reason to immediately remove them from my credit report. It has been over 60 days so they should be deleted at once. I demand these accounts be deleted immediately or I will have to file for litigation. This situation has caused stress and has negatively affected my living situation. I feel that these accounts are adversely affecting my credit report and costing me countless dollars in interest. My information was also impacted by the XXXX Data Breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

This XXXX federal account was charged off in 2018. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should not include an active payment history. Need I remind you this also falsely manipulates the statue of limitations and the date of first delinquency has been illegally changed. Please note all changes after 180 days to charged off status is completely illegal
Consumer complaint received 2022-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (CA)

XXXX XXXX is asking me to pay them XXXX reference # XXXX and cant explain what for. They sent me 2 papers with no especifications saying that i have to pay this absurd amount. I had stay with them 1 night and rent 2 rooms. Now, they say i am in debt. Which is not truth. Everything i paid ( both rooms ) thru XXXX XXXX XXXX. And they say i shouldnt be in debt with XXXX. Also, there was not damage to either of the rooms after we left. Now I feel victime of this Scam and need help. Could find that this corporation is sending notificarions ro customwrs like me, and thru this scary tactic mading millions of dollars in revenue. 
I need help.
Consumer complaint received 2022-02-21
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: SYNCHRONY FINANCIAL (GA)

This company has the worse service Ive ever dealt with. I made a complaint with you and a lady named XXXX acted like she cared but could never get a hold of her the line is always Busy. I have made this very clear my XXXX item was returned with XXXX XXXX  and have the buyer acknowledging that as well. Its pretty clear a credit is due I dont know what why I have this frustration trying to get them to acknowledge that I have already returned it jeez guys its not that hard to see when the information is clearly in front of you. I have asked for a credit to be due and closing my account with them Im really done with these guys horrible customer service and horrible customer relations I dont need that. I have provided the tracking and pictures when I sent that item back to vendor.
Consumer complaint received 2022-02-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. 
The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.
Consumer complaint received 2024-11-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I opened Citibank saving account on XX/XX/year> and deposited a XXXX cashier check of $ XXXX. I wired $ XXXX to XXXX on XX/XX/year>. I withdrew $ XXXX from my XXXX 60 days rollover IRA and wired to Citibank on XX/XX/year> which then wired to XXXX on XX/XX/year>. I transferred $ XXXX each from XXXX to Citibank on XX/XX/year> and XXXX closed early XXXX CD, combining with other child support checks and deposited a total of {$150000.00} to Citibank on XXXX tried to wire XXXX time to XXXX on XX/XX/year> but XXXX wasn't approved, and the account was blocked later on the same day. I came to Citibank at another location and asked for a cashier check. I was told that my account was blocked and subjected to closure within XXXX days. I told them that I could not wait this long because the fund is a part of consolidated funds that need to be returned to IRA account before deadline to avoid penalty and tax.They told me to call the fraudulent department which I called over the next few days and received the same answer that I have to wait for XXXX days to receive the remaining balance in the mail. I then proceeded to file a complaint with Citibank XXXX XXXX XXXX ( XXXX ) on XX/XX/year>, reference # XXXX, requesting for expedite process due to returning funds to IRA before deadline. The case was assigned to Ally, contact # XXXX ext XXXX. I email XXXX XXXX of XXXX and XXXX bank statements to XXXX to prove all transactions on XX/XX/year> and informed them of XXXX wires from friend, $ XXXX each, on XX/XX/year>, hoping these would help to resolve the issue quickly. I contacted XXXX on XX/XX/year> for follow up on the complaint. XXXX said that she receive a response from fraudulent department who could not rescind my account, and I have to wait for the account to fully settle, no claim to the account for XXXX days. ally said the account was determined for closure because I violated consumer account in Citibank client manual. I have no idea which terms I violated for conducting international wires for investment in my family business. 

in summary I would like to request for an immediate release of my total fund {$220000.00}. Please help me to resolve the issue as soon as possible so I can return the fund to IRA account, pay bills, property tax and contractors, avoiding credit problems and any late fees.